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CREDIT CARD AND CREDIT CARD FACILITY TERMS AND FNB

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CREDIT CARD AND CREDIT CARD FACILITY TERMS AND FNB Powered By Docstoc
					                                                                                                            First National Bank – a division of FirstRand Bank Limited.
                                                                                                      An Authorised Financial Services and Registered Credit Provider.
                                                                                                        Company Reg. No. 1929/001225/06 NCA. Reg. No. NCRCP20




                               CREDIT CARD AND CREDIT CARD FACILITY
                                  TERMS AND CONDITIONS OF USE
                                                          COMBINED (Usury Act & National Credit Act)

Effective Date: 1 July 2012
These terms and conditions form part of the agreement which governs the use of the credit card and credit card facility and further
regulates the relationship between the Bank and the cardholder. The use of the credit card and/or the credit card facility will be
deemed as your acceptance of all the terms and conditions governing the agreement.

                                                                      Sections of this Document
Section A: Credit Card and Credit Card Facility Conditions of Use                        Section C: The eBucks Rewards Programme and inContact
Section B: Account Charges and Fees                                                      Section D: Value-Add Services



           Section A:                                                                    3.1.7    Should your re-issued credit card be a chip and PIN credit card, you will
           Credit Card and Credit Card Facility Conditions of Use                                 have to utilise the services at an FNB branch to change your PIN.
                                                                                         3.1.8    You must keep the credit card safe and the PIN secret and separate
1          Issue of the Credit Card and grant of the Credit Card Facility                         from the credit card.
1.1        The issue of the credit card and grant of the facility are subject            3.1.9    The credit card, credit card details and PIN will enable you to perform
           to the terms and conditions of our credit card and credit card facility as             transactions at merchants, operate the credit card at ATM’s and perform
           published and amended by us from time to time.                                         transactions via our access channels.
1.2        The credit card remains our property and you must return it to us             3.1.10   You must only use the credit card in the period stated on the front of
           immediately on our request.                                                            the credit card, unless it is cancelled before the expiry date in terms of
1.3        The credit card is a Visa-branded card, issued by us under license from                clause 16 below. After this period the credit card will be invalid.
           Visa.                                                                         3.1.11   You must not use the credit card for any illegal transactions. It is your
1.4        Your credit card facility is hosted in Johannesburg and all transactions               responsibility to determine that a transaction is lawful before you use the
           are processed in Johannesburg.                                                         credit card.
1.5        You may only qualify for and be issued with a Graphite Credit Card, if        3.1.12   Your credit card facility must not be used to participate in online
           you have been issued with a Graphite Cheque Card. This means that                      gambling activities and purchase online foreign lottery tickets
           if you close your Graphite Cheque Card facility, your Graphite Credit         3.1.13   When a credit card is used to buy goods or services from a merchant,
           Card facility will automatically be closed and we will reissue you with a              you must sign a transaction voucher and/or apply your PIN, as required
           Platinum Credit Card facility.                                                         by the merchant.
                                                                                         3.1.14   You must sign a cash withdrawal voucher when using the credit card to
2          Acceptance of these Terms and Conditions                                               draw cash other than from an ATM.
                                                                                         3.1.15   If the transaction takes place by mail order, telephone order or other
2.1        By using the credit card facility your action will be deemed as
                                                                                                  access channels you will be asked for certain credit card related
           acceptance of all the terms and conditions governing the agreement.
                                                                                                  information before you may use these channels to transact.
2.2        Should you have entered into this agreement electronically,
           telephonically or in writing such mechanisms utilised to enter into this      3.2      Credit Card
           agreement shall be valid, binding and undisputed.                             3.2.1    You may transact at merchants who accept Visa or Visa Electron
2.3        By using the credit card facility, you consent to the Bank accessing any               branded credit cards (as applicable depending on your credit card type)
           information recorded with any credit bureaux. Any information relating                 and we will subsequently debit your account. You are liable to repay us
           to the non-compliance with the terms and conditions of your Credit                     for all monies debited to your credit card facility.
           Facility, the application, opening and termination of your Credit Facility    3.2.2    You may at the discretion of the merchants use the credit card for fuel
           will be disclosed to and used by any other division of the Bank and                    and fuel-related purchases.
	          credit	bureaux.	All	credit	bureaux	provide	a	credit	profile	on	persons	as		   3.2.3    The Visa Electron credit card is for electronic use only which means that
           well as possibly a credit score on the credit worthiness of persons.                   it can be used at an electronic point of sale device or at an ATM.
2.4        These terms and conditions are applicable to all customers                    3.2.4    If you use the credit card outside the Common Monetary Area, you
           save where the headings indicate otherwise. In the latter instance the                 must comply with applicable Exchange Control Regulations. (For further
	          specific	terms	and	conditions	will	apply	over	and	above	the	terms	and		                information on Exchange Control Regulations you may phone FNB
           conditions common to both NCA and Usury Act customers.                                 Credit Card Customer Care on (011) 369 2800).
                                                                                         3.2.5    You warrant to the Bank that the granting of and the use of
3          Use of the Credit Card and Credit Card Facility
                                                                                                  the credit card facilities will not in any way be a contravention
3.1        General obligations when you use the Credit Card and                                   of the Exchange Control Regulations or any similar regulations
           Credit Card Facility                                                                   promulgated from time to time and that you will comply with all relevant
3.1.1      The credit card issued in your name is intended for your use only.                     Exchange Control requirements. In addition, you are reminded that
3.1.2      As soon as you receive the card, you must sign the back of it in ink.                  Exchange Control Regulations currently stipulate that “Cardholders” in
3.1.3      Should a magnetic stripe credit card be issued to you, you will be given               whose name one or more bank credit and/or debit cards have been
           a PIN, which you may change at your discretion at any FNB ATM.                         issued, may be permitted to make permissible foreign exchange
3.1.4      Should you be issued with a chip and PIN credit card you will                          payments for small transactions, e.g. imports over the Internet, by
           have to utilise the services at an FNB branch to change your PIN.                      means of such credit and/or debit cards. Online payments are limited
3.1.5      When a credit card has been re-issued to you, the PIN you used for                     to R20,000 per transaction. It should be brought to the attention
           your previous credit card will still be valid.                                         of cardholders that this dispensation does not absolve them from
3.1.6      Should your re-issued credit card be a magnetic stripe credit card you                 ad valorem excise and custom duties or from complying with the
           may change this PIN at any FNB branch or FNB ATM.                                      requirements imposed by Customs”.

FNB Credit Card and Facility Terms and Conditions – July 2012                                                                                                              1
3.2.6      We are obliged to report transactions that occur outside the Common             6.3	    All	payments	we	have	made	to	a	merchant	for	any	transaction	are	final		
           Monetary Area to the South African Reserve Bank.                                        and irreversible, unless a reversal is allowed by the Visa rules and
3.2.7      Any transaction or payment in a currency other than South African                       regulations as published by Visa from time to time.
           Rand (“Rand”) will be converted to Rand at Visa’s prevailing rate of            6.4     A dispute between you and any merchant will not affect our right to debit
           exchange on the date of processing of the transaction to your account.                  your account and receive payment.
           The transaction will appear on your account statement in Rand.                  6.5     All debits are processed in Johannesburg.
3.2.8      Be aware that merchants may not process the transaction at the date
                                                                                           7       Your credit limit
           of sale. This can result in exchange rate differences which you will be
           liable for.                                                                     7.1     We may refuse to authorise transactions if you have exceeded
3.2.9      Should a merchant manually override the processing of a transaction,                    your credit limit.
           you will be liable for that transaction.                                        7.2     If we accept a transaction that results in you exceeding your credit
3.2.10     Use of the credit card to access and transact over our other delivery                   limit, it does not mean that we have extended or increased your credit
           channels like electronic or telephone banking is subject to the terms and               limit on any permanent basis and you are obliged to immediately bring
           conditions of such other channels.                                                      your account in line with the credit limit we contracted at.
                                                                                           7.3     We decide the credit limit on the account and you must ensure that you
3.3        Petro Card
                                                                                                   and any additional cardholders do not exceed this limit.
3.3.1      You may use the Petro Card at selected merchants to buy fuel and
                                                                                           7.4     You are responsible for managing the credit limit on your account.
           fuel-related products (including petrol, diesel, oil, additives and
                                                                                           7.5     You may apply for an increase or contact us to decrease your credit
           lubricants) and motor vehicle spares, parts and accessories.
                                                                                                   limit. We may contact you from time to time regarding an annual
3.3.2      You may also use the Petro Card to pay for motor vehicle repairs,
                                                                                                   increase if you haven’t consented to an automatic annual increase.
           vehicle maintenance services and toll fees.
                                                                                           7.6     All limit increases are subject to an affordability assessment.
3.3.3      You may only use the Petro Card in the Common Monetary Area.
                                                                                           7.7     We may, at our discretion and at any time, reduce the credit limit
3.3.4      You may link the Petro Card to your credit card account or you
                                                                                           	       on	your	account.	We	will	notify	you	at	least	5	(five)	business	days	before		
           may have a separate Standalone account in your name.
                                                                                                   we reduce your liability in terms of this agreement. However, in certain
3.4        General information                                                                     circumstances, we will reduce your liability and provide notice of the
3.4.1      We will not be liable if a merchant refuses to accept the credit card or                reduction simultaneously.
           honour the transaction.                                                         7.8     If you exceed your credit limit we may charge you a temporary credit
3.4.2      It is our decision to authorise a transaction. We will not be liable if we do           service fee.
           not authorise a transaction.                                                    7.9     As a Graphite cardholder, you are responsible for allocating the credit
                                                                                                   limit on your account to additional credit cardholders.
4          Unauthorised use of the Credit Card and Credit Card
                                                                                           8       Interest
           Facility
                                                                                           8.1     Interest-free period
4.1        You must take all reasonable steps to prevent any unauthorised use of
                                                                                           8.1.1   If your account has no interest-free period, you will be charged
           the credit card and/or credit card facility and/or PIN details.
                                                                                                   interest on purchases, fuel and cash transactions from the date of
4.2        In the event of your credit card being stolen, lost or retained by the ATM
                                                                                                   transaction.
           and where your credit card details or your PIN have been compromised,
                                                                                           8.1.2   If you pay the total amount payable, which is the full outstanding amount
           you must notify FNB Credit Card immediately by calling 0800 110 132 /
                                                                                           	       you	owe	us,	as	reflected	on	your	statement	on	or	before	the	due	date		
           011 369 1189.
                                                                                                   shown on your monthly account statement, no interest will be charged
4.3        Provided you were not negligent in safeguarding the credit card or
                                                                                                   on your account, except for those transactions in clause 8.2 where
           in reporting the credit card lost or stolen, you will not be liable for
                                                                                                   interest would have been charged from date of transaction.
           unauthorised and fraudulent transactions that occur on the credit
                                                                                           8.1.3   If you do not pay the full outstanding amount on or before the due date
           card as a result of the loss or theft, except for PIN-based transactions.
                                                                                                   shown on your monthly account statement, you will be charged interest,
4.4        Lost Card Protection (“LCP”) is included in the credit card fee. Refer to
                                                                                                   from the date of each transaction or fee on your account, on both the
           our full current pricing guide.
                                                                                                   statement balance and on any new transactions made on the credit
4.5        LCP will protect you against unauthorised and fraudulent use
                                                                                                   card (in other words, you will lose the interest-free period on these new
           of the card. This excludes PIN-based transactions, if the credit
                                                                                                   transactions).
           card is lost or stolen.
                                                                                           8.1.4   This means that if you do not pay the full outstanding amount by the
4.6        If you are negligent in reporting the credit card lost or stolen
                                                                                                   due date shown on your statement, the interest-free period will be
           or in safeguarding the credit card or credit card details, you will not
                                                                                                   suspended and interest will continue to be charged from the date
           be covered for LCP and will be responsible for all unauthorised and
                                                                                                   of each transaction on your account, until you have settled the full
           fraudulent use of the credit card.
                                                                                                   outstanding amount you owe us.
4.7        Any delay in reporting the credit card lost or stolen will be
                                                                                           8.1.5   Once settled in full, we may, at our discretion, decide to restore the
           regarded as negligence and you will have to prove to us that
                                                                                                   balance of the interest-free period that is the period from date of full
           you were not negligent.
                                                                                           	       settlement	until	the	due	date	for	payment	reflected	on	your	next	monthly		
4.8        Any unauthorised transactions made by using the credit card and PIN,
                                                                                                   account statement.
           solely with the PIN functionality or non-swiping credit card transactions,
                                                                                           8.1.6   Interest is calculated on all fees and charges from date of debit. If you
           will not be covered by us and will be your sole responsibility.
                                                                                                   do not pay your fees and charges within the interest free period it will
4.9        You indemnify FRB and accept full liability for all specific and
                                                                                                   attract interest immediately.
           related losses as a result of any fraudulent activity in the event
           that you refuse or decline a request by FRB to have a card                      8.2     Transactions that will always attract interest immediately
           cancelled and reissued for whatever reason at FRB’s sole                        8.2.1   Interest will be charged immediately from the transaction date for the
           discretion.                                                                     	       following	transactions,	unless	there	is	a	sufficient	credit	balance	in	your		
                                                                                                   account to settle the transaction:
5          System malfunctions
                                                                                                   •	     Cash withdrawals;
5.1        We are not liable for any direct or indirect loss suffered by you arising               •	     Travellers cheque purchases with the credit card and certain forex
           from any malfunction, failure or delay in any ATM, electronic point of                         transactions;
           sale device, access channel or shared networks.                                         •	     Electronic funds transfers which result in a debit balance on your
                                                                                                          account;
6          Authority to debit your account                                                         •	     All budget facility transactions and balance transfers;
6.1        Each time you use the credit card or the credit card details to access                  •	     Fuel or fuel-related transactions on the Petro Card and
           your credit card facility to transact we will debit your account with the               •	     Any transaction whereby the credit card is not swiped at a point of
           amount of the purchase or cash withdrawal and transfer(s).                                     sale device and considered to be a cash transaction.
6.2        You must repay us for all payments that we have made or will make to            8.3     Credit interest on your account
           a merchant for any debit transaction which has been processed to your           8.3.1   You will earn interest on any credit balance on your account.
           credit card facility.                                                           8.3.2   Credit interest will be calculated daily over the full statement period and
                                                                                                   will be credited to your account monthly.


FNB Credit Card and Facility Terms and Conditions – July 2012                                                                                                                 2
8.3.3      Credit interest rates may be tiered in which case the tiered rates will be     10.9	     In	addition	to	this	clause,	we	have	specific	terms	and	conditions	that		
           shown on your monthly account statement.                                       	         regulate	balance	transfer	campaigns	which	you	will	be	notified	of.	

8.4        Debit interest calculation                                                     11        Product Base Rate
8.4.1      Debit interest will be calculated daily, and capitalised and charged to
                                                                                          11.1      Product Base Rate is the rate that your personalised interest rate is
           your account monthly.
                                                                                                    derived from, which is linked to Repo Rate and/or the economic cycle
8.5        Debit interest applicable to NCA Customers                                     	         change	which	may	fluctuate.	The	Product	Base	Rate	can	be	changed		
8.5.1      Debit interest will be calculated daily, capitalised and charged monthly       	         at	any	time	at	our	discretion.	You	will	be	notified	of	the	changes	in		
           at the rate as set out in your quotation and will not exceed the maximum                 accordance with clause 14.2.
	          permissible	finance	charge	rate	allowed	under	the	National	Credit	Act.						
                                                                                          12        Additional Credit Cards
8.6        Debit interest applicable to Usury Act Customers
8.6.1      Debit interest will be calculated daily at the rate decided by us from         12.1      Additional credit cards linked to your account may be issued to people
           time to time and charged to your account monthly, but will not exceed                    you have chosen to receive a credit card. Credit cards are issued
	          the	maximum	permissible	annual	finance	charge	rate	allowed	under	the		                   in their names. These people are referred to as additional credit card
           Usury Act.                                                                               holders.
8.6.2      Debit interest will be calculated daily, capitalised and charged to your       12.2      The issue of additional credit cards will not change the credit limit on
	          account	monthly	at	the	maximum	permissible	annual	finance	charge		                       your account.
           rate allowed under the Usury Act after this agreement ends and/or your         12.3      It is your responsibility to ensure that additional credit card holders
           right to use the credit card ends and/or your credit facility ends.                      comply with the terms of this agreement.
8.6.3      When a Usury Act Customers account goes legal, the Customers                   12.4      You must ensure that you and any additional credit card holders do not
           interest rate will be increased to the maximum interest rate allowed in                  exceed this limit.
           terms of the National Credit Act.                                              12.5      Transactions made by additional credit card holders using the additional
8.6.4      Should a Usury Act customer opt to re-contract with us, clause 8.5.1                     card, and interest, fees and charges relating to the additional card, will
           shall apply unless otherwise agreed.                                                     be debited to your account.
                                                                                          12.6      You will be liable for all amounts owed to us derived from the use of the
9          Budget facility                                                                          additional credit card/s. This means that we will recover from you
9.1        On your request, we may, at our discretion, make a budget facility                       the full amount owed to us on the additional card.
           available to you.                                                              12.7      You may only end the additional credit card holder’s right to use
9.2        This budget facility entitles you to pay for transactions over an extended               the credit card if you tell us in writing that you wish to do so and
           period as stipulated by you according to our guidelines.                                 you ensure that the additional credit card is destroyed. When destroying
9.3	       Your	first	budget	instalment	on	a	purchase	made	using	your	budget		                      the additional card, you must cut through the magnetic stripe and credit
           facility will only be deducted from your straight facility on the second                 card number so that the additional credit card cannot be used again.
           billing date after the date of your purchase. You can make additional                    Should you fail to destroy the credit card you will be liable for any
           payments into your budget facility at any stage during the budget period.      	         transactions	on	your	account	after	the	notification	of	termination	of	this		
9.4        Fluctuations in interest rates may cause the period of payment to be                     additional credit card.
           extended or reduced.
                                                                                          13        Statements, Payments, Deposits
9.5        If you choose to make use of the budget facility, the total amount
           outstanding, the monthly repayment, the current interest rate and other        13.1      Account statements
           charges will be shown on your monthly account statement.                       13.1.1    We will send you a monthly account statement.
9.6        If you fail to pay any one instalment by the due date, the whole amount        13.1.2    Your monthly account statement will show your transactions for
           may become immediately due and payable.                                                  the month, advise you of any repayments you have made, all amounts
9.7        You may make additional payments to your budget account without                          charged to your account since your previous monthly account
           penalty.                                                                                 statement, the total amount payable, which is the full outstanding
9.8        Your monthly budget instalment is debited from your straight facility and                amount which you owe us, the minimum monthly amount payable and
           not your budget facility.                                                                due to us, and the due date by which you must pay this amount.
9.9        You must expressly instruct us if payments made into your straight             13.1.3    The full and outstanding amount is due and payable monthly, but you
           facility are intended to be allocated to the budget facility.                            may defer payment by paying the minimum monthly amount that is
                                                                                                    stipulated in the monthly statement.
10         Balance Transfer option                                                        13.1.4    Should you have a dispute in respect of the monthly account statement,
10.1       We may offer you a facility to transfer other debt you may have onto                     you must advise us in writing within thirty (30) days of the statement
           your budget account.                                                                     date thereof. Unless you let us know in writing that there is an error on
10.2       We will determine and tell you the amount to be transferred (“the              	         the	monthly	account	statement,	the	statement	sent	to	you	will	be	final		
           transfer amount”), the minimum repayment period and the applicable                       and binding.
           interest rate, which will apply to the transfer amount when the transfer       13.1.5    Should you not receive your monthly account statement, you must bring
           facility is offered to you.                                                              this to the attention of FNB Credit Card failing which we will regard
10.3       We may, at our discretion, offer you a preferential interest rate for an                 it as being received.
           agreed period which rate will apply only to the transfer amount for the        13.1.6    Interest will accrue in the normal course on the transaction amount
           agreed period, provided you make all repayments by the due date                          unless it is established that it was correctly disputed.
           shown on your statement. If you settle the transfer amount before              13.1.7    When this agreement ends, you will no longer receive your monthly
           completion of the agreed period, the preferential interest rate would no                 account statement.
           longer be applicable.                                                          13.1.8	   A	certificate	signed	by	any	authorised	employee	of	the	Bank	(whose		
10.4       The amount transferred to your account will show on your monthly                         appointment or authority it shall not be necessary to prove) shall
           account statement.                                                                       constitute prima facie evidence of the outstanding balance owing and/
10.5       The transfer amount will be paid into your credit card straight facility. It             or due and payable by you to the Bank and/or the rate of interest
           will be your responsibility to use the transfer amount to pay any other                  payable by you and/or any other amount owing and/or due and payable
           debts you may have.                                                                      by you to the Bank in terms hereof and/or any other matter arising from
10.6       You will be responsible for closing the account to which the amount is                   or related to your Credit Card Facility.
           transferred, if you wish to do so. The transfer amount will be deducted        13.2      Payments and Deposits
           from your available credit on your budget account.                             13.2.1    You can pay the full outstanding amount on or before the due date
10.7       We do not guarantee the time period within which the transfer will be                    shown on the monthly account statement. Alternatively, you may
	          made	and	we	will	not	be	responsible	for	any	finance	charges	you	may		                    defer payment of the full amount outstanding over an extended period,
           incur on any of your accounts prior to the transfer from your credit card                but you must pay at least the minimum monthly amount by the due date
           budget facility to your straight facility.                                               shown on the monthly account statement.
10.8       Your monthly balance transfer instalment is debited from your straight
           facility.




FNB Credit Card and Facility Terms and Conditions – July 2012                                                                                                                  3
13.2.2         You must expressly instruct us if payments made into your straight              13.3.8	    You	confirm	that	the	banking	details	that	appear	on	your	Auto	Payment		
               facility is intended to be allocated to the budget facility.                               authorisation are correct.
13.2.3         Your payment may not reach us on the same day as you make it due                13.3.9     Missed Auto Payments will not result in the cancellation of the Auto
               to possible delays and the time it takes to be processed. We consider                      Payment.
               your payment to have gone through only once we receive the funds at             13.3.10    You authorise us to verify the banking details as provided by you for the
	              FNB	Credit	Card	Division	in	Johannesburg	and	the	funds	are	reflecting		                    purposes of effecting the Auto Payment.
               as a credit on your credit card facility, as evidenced by our systems.          13.3.11	   You	confirm	that	the	account	provided	for	this	purpose	is	compliant	with		
               Please allow for this when making your payment.                                            the Financial Intelligence Centre Act (“FICA”).
13.2.4         If a payment is sent to us by post, we will only credit your account when       13.3.12    Should a required payment be received (direct deposit or electronic
               we receive the funds at FNB Credit Card Division in Johannesburg. The                      transfer) before the Auto Payment is scheduled to run, the Auto
               risk of the postal payment being intercepted, lost or stolen while in                      Payment will not be processed for that month.
               transit to us remains your risk until the payment is received at FNB            13.3.13    If the bank account from which your Auto Payment is processed is
               Credit Card Division in Johannesburg.                                                      closed by you at any time and your Auto Payment is returned unpaid,
13.2.5         If a cheque is deposited into your account, the proceeds of the cheque                     then we will be entitled to suspend and/or cancel your credit card facility
               will only be available as cash when the drawer’s bank has honoured the                     unless alternate Auto Payment arrangements have been made for the
               cheque irrespective of the cheque clearance period. If the cheque                          payment of your credit card facility.
               proceeds are made available on your account prior to the                        13.3.14    Once you have authorised the bank to process an Auto Payment, you
               cheque being honoured, we are entitled to debit your account with                          may not cancel the Auto Payment.
               the amount of the cheque proceeds and any associated interest if the
                                                                                               14         Amendments to these Terms and Conditions
               cheque is subsequently dishonoured by the drawer’s bank for whatever
               reason.                                                                         14.1       We may, at our discretion and at any time, amend these terms and
13.2.6         You may cancel or settle your credit facility at any time, by paying the                   conditions.
               amount you owe there under, with or without giving advance notice to            14.2       You will be given notice of the amendments as statement messages in
               us. You are obliged to ensure payment of (a) the unpaid balance of your                    your monthly account statement.
               credit facility; (b) the unpaid interest charges; and (c) all other fees and    14.3	      If	you	are	dissatisfied	with	the	amendments,	you	have	the	right	to		
               charges that may be due.                                                                   end this agreement before the effective date of the amendments, in
13.2.7	        All	payments	we	receive	will	be	credited	as	applicable,	first	to	                          which case the provisions of clause 16 below shall apply. Unless you
               interest, then to expenses incurred by us in collecting any amount you                     terminate this agreement before the effective date of the amendments,
               owe us, then to charges and fees, and lastly to the transaction amount.                    you will be bound by them.
13.2.8         Should your account be in arrears for 30 (thirty) days or more,                 14.4       The use of your credit card facility after the effective date of the
               you are not allowed to transact on your credit card facility.                              amendment would be regarded as your acceptance of the amended
13.2.9         You must always use your account number as a reference when                                terms and conditions.
               making a payment into your credit card facility. Your payment will be
                                                                                               15         Ending this Agreement
               considered to be received as per clause 13.2.3 above.
                                                                                               15.1       You may, at any time, end this agreement by advising us in writing.
13.3           Auto Payment
                                                                                               15.2       Apart from other valid reasons to end your agreement, where there is
13.3.1         In terms of the Auto Payment authorisation, you have the option
                                                                                                          fraud or we suspect there may be fraud on your account or if we are
               of paying your account as indicated on your monthly account statement
                                                                                                          compelled to do so by law we will suspend your account without notice.
               between the statement date and your payment due date as per the
                                                                                               15.3       We will suspend your account without notice if you do not pay us any
               following options:
                                                                                                          amount due on time or at all, if you breach any term of this agreement,
	     	        •				Minimum	monthly	payment	amount	due	(as	indicated	on		 	
                                                                                               	          or	if	your	estate	is	provisionally	or	finally	sequestrated	or	placed	under		
                    your statement);
                                                                                                          administration and debt counselling.
	     	             F
               •				 ull	amount	due;
                                                                                               15.4       We may, at our discretion, end this agreement and/or your right to
	     	        •				Specified	Amount.	Please	note	that	the	specified	amount			
                                                                                                          use the credit card and/or your credit card facility and we will inform
                    cannot be below the minimum monthly payment. Should
                                                                                                          you of the reason. We reserve the right to end this agreement if you
      	        					your	specified	amount	be	less	than	the	minimum	monthly		       	
                                                                                                          do not pay us any amount due on time or at all, if you breach any terms
      						   					payment	reflected	on	your	statement,	the	minimum	amount		
                                                                                               	          of	this	agreement,	or	if	your	estate	is	provisionally	or	finally	sequestrated		
      	        					as	reflected	on	your	statement	will	be	deducted.		
                                                                                                          or placed under administration and debt counselling.
	     	        •				Percentage	of	the	Full	amount	due	(between	5%	and	100%	of	the				
                                                                                               15.5       When this agreement and/or your credit card facility and/or your right
                    straight balance);
                                                                                                          to use the credit card facility ends, the full amount you owe us will
	     	        •				Actual	balance	settlement	(which	allows	you	to	settle	your	full		
                                                                                                          immediately become due and payable. You must then pay us the full
                    monthly straight balance on the Auto Payment date as selected by
                                                                                                          amount owing on your account and destroy the card.
                    you, within the current billing cycle, which will include all debits and
                                                                                                          When destroying the card, you must cut through the magnetic stripe
                    credits after the statement date up until the selected Auto Payment
                                                                                                          and credit card number so the credit card cannot be used again.
                    date); or
                                                                                               15.6       Should you fail to destroy the credit card in terms of clause 16.5
	     	        •			Full	statement	balance	(which	allows	you	to	settle	your	full	statement		
                                                                                                          above, you will be liable for any transactions on your account after the
                    balance and this balance is not affected by any debits and credits
                                                                                               	          notification	of	termination	of	this	agreement.	
                    processed between the statement date and your selected Auto
                                                                                               15.7       Even if this agreement ends, we will be entitled to rely on the rights
                    Payment date).
                                                                                                          acquired under this agreement before it ended.
13.3.2         Your Auto Payment authorisation can be obtained electronically,
               telephonically or in writing signed by you.                                     16         Where and how we may contact each other
13.3.3         We prefer the date of Auto Payment to be your salary date.
                                                                                               16.1       We may send you necessary account information by post, fax, e-mail,
13.3.4         In terms of the Auto Payment, we will deduct, monthly, on the payment
                                                                                                          SMS or other similar technology.
               due date or your selected Auto Payment date, from the account
                                                                                               16.2       You must supply us with your correct contact details, fax, e-mail,
               provided by you, the amount as per the option selected by you, in
                                                                                                          cellphone and postal addresses. We will not be responsible if
               respect of the amounts due on your credit card account.
                                                                                                          your statement and other related information are sent to the wrong
13.3.5         Should your Auto Payment be returned unpaid, we will make further
                                                                                                          postal or e-mail address.
               attempts to debit your account thereafter to ensure a successful
                                                                                               16.3       If you do not wish to receive your statement via e-mail, you must inform
               payment, which costs you will be liable for.
                                                                                                          us of this and we will exclude you from the e-mail statement service.
13.3.6         In the event of your Auto Payment being returned unpaid, the bank has
                                                                                               16.4       Legal notices and summonses will be served at the physical address
               the discretion to change your statement date thereby changing your
                                                                                                          you provided us at the time of application or to such new address you
               payment due date and selected Auto Payment date to coincide with
                                                                                               	          have	notified	us	of	in	terms	of	clause	17.6,	which	address	you	choose		
               your salary date or any other date we deem suitable to collect via the
                                                                                                          as your domicilium citandi et executandi. Legal Notices may be served
	              Auto	Payment.	You	will	be	notified	of	these	changes	as	per	clause	15.2.
                                                                                                          by fax or e-mail.
13.3.7         Should your Auto Payment be returned unpaid in the consecutive
               month, your Auto Payment will be suspended and we will proceed with
               our collections process.



FNB Credit Card and Facility Terms and Conditions – July 2012                                                                                                                         4
16.5       You should send any formal legal notices or summonses to us at the             	        	   •	          If	you	are	a	Usury	customer,	you	will	not	have	to	re-contract		
           following address which we choose as our domicilium:                                                    with us, and this option will attract an interest rate of the
           FNB Credit Card Legal:,1 First Place, BankCity, Johannesburg, 2001.                                     maximum allowable by the NCA; or
16.6       If any of your addresses change, you must notify us immediately                	        	   •	          If	you	are	a	NCA	customer,	you	will	not	have	to	re-contract		
           of such change in writing, either by e-mail or faxing or by visiting                                    with us, but this option will attract an interest rate of the
           your nearest branch. When you change your address, you must                                             maximum allowable by the NCA; or
           give us proof of your new address which will be your domicilum
           address. Your domicilum address must be your physical address.                              NCA Customers
16.7       Any correspondence and statements we send by post to you will be
                                                                                          23           Debt counselling provisions
           considered to have arrived within 7 (seven) calendar days of posting.
16.8       Any correspondence and statements sent to you by fax, e-mail                   23.1         Should you believe that you are unable to meet your obligations
           or SMS will be considered to have arrived on the day that it was                            in terms of the credit agreements you have entered into, you may
           sent. Where this day is a Saturday, Sunday or public holiday, the                           contact us for assistance in restructuring your debt with us in a
           correspondence will be considered to have arrived on the next business                      manner that would allow you to repay it. We will attempt to assist
           day.                                                                                        you where possible.
                                                                                          23.2	        You	must	continue	to	make	payments	until	the	debt	review	is	finalised.	
17         Marketing Consent                                                              23.3         Should you enter into debt counselling, or enter into a re-arrangement
17.1       You will only be sent marketing material from us in circumstances                           in terms of Consent / Court Order or a Tribunal, you may not incur any
           where you have consented to the receipt of the material and/or                              further liability on your credit card facility. This means that:
           consented to your personal details and address being used by or
           on behalf of FNB, to offer and send you information on services and                         •	    You	may	not	transact	on	your	credit	card	facility;
           products from business units and divisions within FirstRand Bank                            •	    You	must	cancel	all	debit	orders	(including	insurance	debit	orders)	
           (e.g. FNB, WesBank, RMB) or external companies to FirstRand Bank                                  being processed through your credit facility immediately. You will
           whether credit related or non-credit related, as the case may be.                                 be required to use a cheque / transactional account to pay your
                                                                                                             debit orders;
18         Spousal Consent (for Community of Property only)                                            •	    No	debit	orders	will	be	processed	and	will	be	charged	back;
18.1       Spousal consent for NCA customers                                                           •	    Transacting	on	your	account	will	result	in	us	pursuing	legal	action		
18.1.1     If you are married in Community of Property, your spouse must consent                             against you.
           to the conclusion of this agreement. Your failure to obtain spousal            23.4         You may, as an alternate, go to the National Debt Mediation Association
           consent will result in the nullity of your credit card facility.                            in order to develop and agree to a payment arrangement to bring your
18.1.2     Should you have entered into this agreement electronically,                                 arrear amount up to date. The NDMA may be contacted on 0861 11
           telephonically or in writing, the spousal consent declaration obtained                      6362 or www.ndma.org.za.
           shall be valid, binding and undisputed.
                                                                                          24           Submitting a credit card related complaint
18.1.3     Should you have entered into this agreement by falsely declaring that
           your spouse has consented thereto, you will be liable for fraud.               24.1         If you wish to lodge a complaint or compliment, you may contact us in
                                                                                                       writing on the following:
19         Request for information                                                        	            •	           fax	to	011	632	2317	
19.1       You may request information in respect of your credit card and                 	            •	           e-mail	to	care@fnb.co.za	
           additional credit card holders accounts from us either in writing or by        	            •	           via	www.fnb.co.za	under	Contacts	&	Tools	tab	/		 	
           calling FNB Credit Card Division on the telephone number shown on                                        Compliments and Complaints
           your monthly account statement.                                                24.2         On receipt, your written compliment will be acknowledged in writing.
                                                                                          24.3         On receipt your written complaint will be acknowledged and a reference
20         Usury Act 73 of 1968, as amended                                                            number will be issued to you.
20.1       The Transitional Provisions of the NCA applicable to Usury Act                 24.4	        If	you	do	not	get	a	response	within	5	(five)	working	days	from		
           customers indicated in Schedule 3 of the National Credit Act can                            submitting a complaint, please contact the FNB Complaints department
           be obtained from our call centre on 011 369 2800 / 087 575 1111 or                          on 087 575 9408 to check whether your complaint has been received.
           viewed on our website, www.fnb.co.za.                                          24.5         FNB Credit Card Complaints department will investigate any complaints
                                                                                                       received. The complaints resolution process is available from your
21         Other important terms                                                                       branch, call centre or website.
21.1       The headings in this agreement will not affect the interpretation of it.       24.6		       If	the	complaint	is	resolved	and	you	are	satisfied	with	the	outcome,	the		
21.2       We are obliged by law to regularly update your personal particulars. We                     procedure is concluded and the reference number will be closed.
           may contact you from time to time in this regard and you will be obliged       24.7         If your complaint is unresolved within (6) six weeks of receipt or not
           to provide us with the information requested.                                               resolved to your satisfaction, FNB Credit Card will provide you with
21.3	      Your	information	will	be	kept	confidential	within	the	FirstRand	Group		                     an explanation and reasoning for the decision taken, in writing. FAIS
           and will not be disclosed by us to any third party unless we are required                   prescribes that you may then submit your complaint to the FAIS
           to do so by law or for the purposes of legal action in the event of your                    Ombudsman or Ombudsman for Banking Services in writing within
           default.                                                                                    6 months, with the supporting documentation and the reference number
21.4       You shall not be entitled to defer payment or refuse to make payment                        supplied.
           of any amounts payable by you in respect of your account, on the basis         24.8         Alternate dispute resolution
           that you have a claim or query regarding any of the services provided          24.8.1       You have the right to resolve a complaint by way of alternate dispute
           for in this agreement.                                                         	            resolution,	by	filing	your	complaint	with	the	National	Credit	Regulator
21.5       If your account goes into arrears, you will be liable for all legal fees and                or making an application to the National Consumer Tribunal.
           expenses, on the attorney and own client scale, including collection                        You may contact:
           commission and tracing fees.                                                   	            •			The	National	Credit	Regulator	on	0860	627	627	or	visit	the	website
21.6       Should there be abuse detected on your credit card and / or credit card                         at www.ncr.org.za;
           facility, we reserve the right to impound your credit card, which costs        	            •			The	National	Consumer	Tribunal	on	0860	627	627	or	visit	the
           you will be liable for.                                                                         website at www.ncr.org.za; and
21.7       We may in law set off any amount that we owe you, or that appears as           	            •			The	Banking	Ombudsman	on	011	712	1800	or	0860	800	900	or
           a credit in any account you have with us, against any amount that you                           visit www.obssa.co.za
           owe us on your account at any time.
                                                                                                       Section B:
22         Special arrangements                                                                        Account Charges and Fees
22.1	      Should	you	be	unable	to	meet	your	financial	obligations	in	terms		
           of your credit card facility, upon you meeting the required criteria,          25           Charges and fees
           the bank may offer you one of the following special arrangement options
                                                                                          25.1         Apart from the credit related charges to your account, your account will
           which will decrease your monthly repayments and extend the period of
                                                                                                       be debited for non-credit related charges.
           repayment, at your request:


FNB Credit Card and Facility Terms and Conditions – July 2012                                                                                                                    5
25.2       You may get a copy of our pricing guide from any FNB Outlet, or                 29       Amendments to the programme’s terms and conditions
           by contacting our Credit Card Division, or on our website,
                                                                                           29.1     We may amend the programme’s terms and conditions in relation to
           www.fnb.co.za.
                                                                                                    the credit card, in which event we will give you reasonable notice of the
25.3       Fees and charges are reviewed annually or at any time at our discretion
                                                                                                    changes.
           in which event you will be given 30 business days notice before the
                                                                                           29.2     We will inform you of these changes either by a statement message
           change is effected.
                                                                                                    or on the eBucks and/or www.fnb.co.za website or by sending you
25.4       Once debited to your account, fees and charges are non-refundable
                                                                                                    the changed terms and conditions.
           and will not be reversed.
                                                                                           29.3     eBucks may also amend the programme terms and conditions. eBucks
25.5       Charge-backs will only be allowed if it is done in accordance with the
                                                                                                    will publish changes on the www.eBucks.com website.
           Visa Rules and Regulations as published from time to time.
                                                                                           30       End or suspension of the programme
Section C:                                                                                 30.1     We may end or suspend our participation as a partner in the
         eBucks Rewards Programme (“the programme”) and                                             programme on reasonable notice to you.
         inContact                                                                         30.2     You will not lose the eBucks earned up to the date we end or suspend
                                                                                                    our participation in the programme.
26         eBucks: Your participation in the programme
                                                                                           31       Fee for linking you to the programme
26.1       We are an earn-partner of the programme, which allows you to link the
                                                                                           31.1     A Credit Card annual eBucks fee will be payable that will allow you to
           credit card to the programme and earn eBucks on qualifying purchase
                                                                                                    earn eBucks on your purchases with your your FNB Credit Card.
           transactions on the card.
                                                                                           31.2     eBucks may charge you transaction and delivery fees.
26.2       These terms and conditions must also be read with the terms and
           conditions published on the eBucks website, www.ebucks.com                      32       inContact
	          (hereinafter	referred	to	as	“the	eBucks	website”).	If	there	is	any	conflict		
                                                                                           32.1     inContact is a messaging service, which enables you to track your
           between the two, the terms and conditions on the eBucks website will
                                                                                           	        financial	transactions	on	your	account.
           prevail.
                                                                                           32.2	    You	will	receive	real-time	confirmation	by	SMS	and/or	e-mail	of	deposits		
26.3       The programme is owned, run and managed by New Bucks Operations
                                                                                                    into your account, electronic transfers, withdrawals and purchases,
           (Pty) Ltd, trading as eBucks.
                                                                                                    which will be sent to your nominated cellphone number and/or e-mail
26.4       To earn eBucks when you use the credit card, you must elect to link the
                                                                                                    address.
           credit card to the programme.
                                                                                           32.3     You are responsible for ensuring that we have your correct cellphone
26.5       We may, at our discretion, include or exclude any credit card from taking
                                                                                                    number and e-mail address at all times.
           part in the programme.
                                                                                           32.4     We will not be held responsible if an SMS and/or e-mail is sent to the
27         Earning eBucks                                                                           incorrect number or address if you have not updated your records with
                                                                                                    us.
27.1       You will earn eBucks on qualifying credit card transactions on the card,
                                                                                           32.5     We cannot guarantee the accuracy or arrival time of an SMS and/or
           subject to clause 28.3 below.
                                                                                                    e-mail, as we are dependant on external service providers who are
27.2       You can also earn eBucks through any of our other products, which
                                                                                                    responsible for the delivery of the information.
           you have linked to the programme. You can also earn eBucks through
                                                                                           32.6     If there is a dispute about whether or when you received a message our
	          other	eBucks	programme	partners,	details	of	which	you	will	find	on	the		
                                                                                           	        system	records,	confirmed	as	correct	by	our	system	administrator,	will		
           eBucks website.
                                                                                                    serve as proof of the date and time of sending a message unless you
27.3	      You	will	not	earn	eBucks	on	certain	transactions	as	notified	by	us	from		
                                                                                                    can prove otherwise.
           time to time, including ATM transactions, Internet and electronic
                                                                                           32.7     Whilst we will use our best efforts to ensure the integrity and content of
           banking transactions, fuel and fuel-related purchases, travellers’
                                                                                                    any SMS and/or e-mail sent to you, your monthly account statement will
           cheque purchases, balance transfers, gaming transactions and cash
                                                                                                    remain the sole record of your account transactions.
           withdrawals, as these are excluded from the programme.
                                                                                           32.8     The inContact messaging service will only cater for transactions that
27.4	      You	will	also	not	earn	eBucks	on	finance	charges,	account	service	fees		
                                                                                                    have a value of R100.01 or more.
           and ledger fees or on any government tax debited against your account.
                                                                                           32.9     You have 24 hours from the time we send you the inContact message
27.5       We may change the eBucks earn rules for credit cards (that is, how
                                                                                                    to query any unauthorised transactions on your account. If you do
           many eBucks you will earn for each Rand spent on qualifying credit
                                                                                                    not query the unauthorised transaction, it will be deemed that you have
           transactions). We will give you reasonable notice of such change.
                                                                                                    authorised the transaction and you may be liable for the transaction.
27.6       We may also, at our discretion, set a “spend threshold” on your account.
                                                                                                    You will be responsible for proving you were not negligent in notifying
           This means that you will have to make qualifying purchases above the
                                                                                                    us.
           threshold to start earning eBucks.
                                                                                           32.10    By using inContact, you acknowledge and agree to be bound by these
27.7       We will display the total eBucks you earn through the credit card under
                                                                                                    terms and conditions.
	          your	account	profile	on	the	eBucks	website.	This	will	be	the	sole	record		
                                                                                           32.11    We will not be legally responsible to you for any losses you suffer
           of eBucks earned. You may also enquire about the eBucks you have
                                                                                           	        because	you	did	not	receive	a	notification	at	all,	or	on	time,	if	this		
           earned via the eBucks Call Centre.
                                                                                                    happened because of reasons outside our control, including because of
27.8	      You	must	ensure	the	eBucks	displayed	under	your	account	profile		
                                                                                                    any failure in the services of any network operator, third party service
           on the eBucks website are correct. You must bring any errors to our
                                                                                                    provider, or your equipment or because you did not update your contact
           attention in writing within thirty (30) days after we display the eBucks
                                                                                                    information.
	          under	your	eBucks	account	profile.	
                                                                                           32.12	   A	notification	will	be	taken	to	have	been	received	by	you	once	it	enters		
27.9       We have the right to reverse eBucks accumulated by you through
                                                                                                    the communication system you designated for use and is capable of
           use of the card, if the eBucks were awarded in error, or accumulated as
                                                                                                    being retrieved by you.
           a result of ineligible transactions.
                                                                                           32.13    These terms and conditions apply to inContact-Pro, which is an
27.10      Should your account not be in good standing, the eBucks earned on
                                                                                                    enhanced form of inContact. By using inContact-Pro you agree to be
           purchases made during the period of default will be reversed, and your
                                                                                                    bound by these terms and conditions.
           eBucks account will be frozen for the duration of the default.

28         Spending eBucks                                                                 Section D:
28.1       You may spend your eBucks in an eBucks spend-partner’s shop, on an                       Value-Add Services
           eBucks spend-partner’s website or at the eBucks shop, which you will
                                                                                           33       Comprehensive Global Travel Insurance
	          find	on	the	eBucks	website	or	can	access	telephonically	via	the	eBucks		
           Call Centre.                                                                             Comprehensive Global Travel Insurance is included on the credit
28.2       When you spend your eBucks you will contract directly with the spend-                    card where applicable and should be used in the case of medical
           partner concerned and we will not be liable for any damages you may                      emergencies.
           suffer due to non-performance by the spend-partner concerned.
28.3       You may transfer your eBucks to another eBucks member, but eBucks
           may not be converted into cash.


FNB Credit Card and Facility Terms and Conditions – July 2012                                                                                                                6
33.1       Benefits summary                                                                          - Disseminated Herpes and/or Shingles Human
33.1.1     This is a summary of the terms, conditions and exclusions of the Travel         33.2.8    Pregnancy, childbirth, abortion, miscarriage, obstetrical procedures.
           Policy.
                                                                                           33.3      Other Travel Policy exclusions
33.1.2     You should get a copy of the Travel Policy before your journey.
                                                                                           33.3.1    Manual work in connection with a business or trade.
33.1.3     The Travel Policy is available on our website, www.fnb.co.za, or
                                                                                           33.3.2    If your journey is for emigration purposes.
           you may contact the Global Travel Help Desk and they will send the
                                                                                           33.3.3    If your loss, damage, death, injury, illness, disablement or expense is
           Travel Policy to you. If anything is unclear, please contact the Global
                                                                                                     caused by:
           Travel Help Desk on 0861 490 100.
                                                                                                     •	      Your participation in professional sports or as a national
33.1.4	    The	benefits	under	the	Travel	Policy	are	automatically	available		
                                                                                                             representative in competitive sporting activities.
           when you buy a departure and return public conveyance travel
                                                                                                     •	      Your participation in dangerous activities, hobbies, interests or
	          ticket	in	South	Africa	(or	other	specified	countries	as	detailed	in	the		
                                                                                                             sports as set out in the Travel Policy.
           Policy) at full fare on your FNB Credit Card, prior to departure.
                                                                                                     •	      War, invasion, act of foreign enemy, hostilities (whether war be
33.1.5     This offer only applies if you are a resident of the Republic of South
                                                                                                             declared or not), acts of terrorism, civil war, rebellion, revolution,
           Africa, Botswana, Lesotho, Namibia and/or Swaziland, up to and
                                                                                                             uprising, military or usurped power, civil commotion or riot.
           including seventy (70) years of age and buy your full departure and
                                                                                                     •	      Any Luggage claim that has not been reported to police or
	          return	public	conveyance	tickets	in	South	Africa	(or	other	specified		
                                                                                                             transport carrier immediately and for which a written police or
           countries as detailed in the Policy) with a valid FNB Credit Card. Please
                                                                                                             irregularity report has not been obtained.
           obtain a copy of the Travel Policy prior to travelling and ensure you fully
                                                                                                     •	      Luggage/Personal effects – Any single item in excess of R1,000
           understand the Policy.
                                                                                                             (one thousand Rand).
33.1.6	    As	certain	credit	card	products	may	be	excluded	from	the	benefits,	you		
                                                                                                     •	      Cancellation or curtailment due to weather conditions.
           must contact the Global Travel Help Desk before you purchase your
                                                                                                     •	      Liability arising from the use or ownership of any mechanically
	          travel	ticket	with	your	card,	to	find	out	which	products	are	excluded.	
                                                                                                             propelled vehicle i.e. motor vehicle.
33.1.7	    The	benefits	under	the	Travel	Policy	are	available	to	cardholders	up	to		
                                                                                                     •	      Loss to unaccompanied luggage.
           and including the age of seventy (70) years.
                                                                                           33.3.4	   Claims	for	treatment	by	homoeopaths,	naturopaths,	reflexologists,	or		
33.1.8     You qualify for the travel insurance, if you are the cardholder and/
                                                                                                     any other alternative medicine.
           or an Immediate Family Member and/or a Travel Companion of the
                                                                                           33.3.5    If you incur expenses for travelling abroad to seek medical treatment.
           cardholder of the FNB Credit Card.
                                                                                           33.3.6    If you incur medical expenses after completion of your journey.
33.1.9     The maximum number of travellers per cardholder, per Journey,
                                                                                           33.3.7    Please note no consequential loss cover is available under the Travel
           is eight (8).
                                                                                                     Policy.
33.1.10	   If	you	are	between	the	ages	of	seventy	one	(71)	and	eighty	five	(85),	we		
                                                                                           33.3.8    Flying or air travel other than on a fully licensed passenger carrying
           can offer you another travel insurance option. You can learn more about
                                                                                                     aircraft.
           our other options by calling our Help Desk on 0860 100 484.
33.1.11	   The	benefits	under	the	Travel	Policy	will	be	available	for	the	first	ninety		   34        AA Emergency Roadside Assistance
	          (90)	days	of	your	journey	or	until	you	reach	the	final	destination	set	out		              (Automatically included on the Petro Card)
	          on	your	travel	ticket,	whichever	occurs	first.
                                                                                           34.1      Benefits summary
33.1.12    Europ Assistance provides emergency assistance while you are
                                                                                           34.1.1	   The	AA	Emergency	Roadside	Assistance	benefits	(“the	benefits”)	are		
           travelling overseas. If you need assistance you may contact Europ
                                                                                                     available to valid Petro Card holders, who must produce the Petro Card
           Assistance on +27 11 991 8409. You may “reverse-charge” your call to
                                                                                           	         and	proof	of	identity	upon	request	by	the	AA,	prior	to	the	benefits	being		
           Europe Assistance from anywhere in the world.
                                                                                                     granted.
33.1.13    Europ Assistance must approve medical expenses when they are
                                                                                           34.1.2	   If	your	Petro	Card	account	is	in	arrears,	we	will	suspend	the	benefits		
           incurred.
                                                                                                     until you restore your account to an acceptable status.
33.1.14	   The	benefits	for	children	under	sixteen	(16)	years	old	are	limited	under		
                                                                                           34.1.3	   The	benefits	apply	to	motor	cars,	four-by-four	vehicles	and	light		
           the Personal Accident Section of the Travel Policy.
                                                                                                     commercial vehicles with a carrying capacity of not more than 1.5 tons.
33.1.15	   The	maximum	accumulation	of	any	benefits	payable	in	respect	of	any		
                                                                                           34.1.4	   The	benefits	are	available	in	the	Republic	of	South	Africa	only.
           one accident or series of accidents shall be limited to R10,000,000, (10
                                                                                           34.1.5	   The	benefits	are	not	transferable.
           million Rand) per travel ticket debited to a valid credit card issued by
                                                                                           34.1.6	   The	benefits	are	available	if	the	vehicle	breakdown	is	caused	by		
	          FirstRand	Bank	Limited	(which	has	been	specifically	nominated	by	the		
                                                                                                     mechanical or electrical failure only. If the vehicle is involved in an
           bank).
                                                                                                     accident you may contact our dedicated AA call centre number but all
33.1.16	   The	maximum	accumulation	of	any	benefits	payable	in	respect	of	any		
                                                                                                     services rendered by the AA will be for your own account.
           one accident or series of accidents under the Accidental Death and
           Total Permanent Disablement section shall be limited to R1,000,000              34.2      How the benefits work
           (one million Rand) per valid credit card issued by FirstRand Bank (which        34.2.1	   The	benefits	must	be	arranged	through	our	dedicated	AA	call	centre		
	          has	been	specifically	nominated	by	the	bank).                                             telephone number only on 0860 70 60 50.
33.1.17	   The	benefits	are	summarised	in	the	table	of	benefits	at	the	end	of		            34.2.2	   The	AA	will	tow	the	vehicle	to	the	nearest	repair	centre.	Towing	benefits		
           Section D, but these are subject to change on reasonable notice to you.         	         are	limited	to	a	maximum	of	five	hundred	Rand	(R500).
                                                                                           34.2.3    When the breakdown happens more than one hundred (100) kilometres
33.2       Medical conditions excluded under the Travel Policy
                                                                                                     away from your home the AA will pay for one of the following costs up to
33.2.1     Pre-existing illness where you received medical advice or treatment
                                                                                           	         a	maximum	of	five	hundred	Rand	(R500):
           within (6) six months prior to starting your journey other than cover
                                                                                                     •	      Vehicle hire charges to the approved hirer for costs you incur in
           provided under the Pre-Existing Emergency Medical section.
                                                                                                             reaching your destination or home; or
33.2.2     Chronic, recurring or continuing illness.
                                                                                                     •	      Alternate accommodation; or
33.2.3     Acute or chronic psychiatric, psychological or emotional conditions,
                                                                                                     •	      Repatriation costs for you to collect your vehicle.
	          suicide,	self-inflicted	injury,	alcohol,	drugs	and	narcotics	abuse.
                                                                                           34.2.4    Where the hired car is kept longer than the initial period authorised by
33.2.4     Cardiac, cardiovascular, vascular and cerebro vascular, respiratory or
                                                                                                     the AA, you must enter a new contract with the car hire company for the
           cardio respiratory conditions for persons over the age of seventy (70)
                                                                                                     extended period and you must pay the extra charges incurred.
           years.
                                                                                           34.2.5    The choice of car and car hire company is subject to availability. Car
33.2.5     Physiotherapy and chiropractic charges over R1,000 (one thousand
                                                                                                     hire is subject to all requirements of the car hire company, including
           Rand), except while you are in hospital.
                                                                                                     deposits for collision damage waiver, insurance and fuel.
33.2.6     Sexually-transmitted diseases.
                                                                                           34.2.6	   Accommodation	or	repatriation	benefits	are	available	only	when	the		
33.2.7	    Human	Immunodeficiency	Virus	(“HIV”)	positive	or	have	Acquired		
                                                                                                     breakdown happens more than one hundred (100) kilometres from your
	          Immune	Deficiency	Syndrome	(“AIDS”)	and	any	derivative,	variation	or		
                                                                                                     home or normal base address.
           HIV related illness, however caused including but not exclusive to the
                                                                                           34.2.7    The choice of hotel accommodation is subject to availability. The AA will
           following:
                                                                                                     only be responsible for accommodation costs. You must pay for extra
           - Kaposi’s Sarcoma
                                                                                                     costs, such as laundry, mini-bar, videos and meals etc, directly to the
           - Pneumocystis Jirovecii
                                                                                                     hotel before you leave.
           - Tuberculosis
                                                                                           34.2.8	   The	AA	will	pay	for	locksmith	services	up	to	two	hundred	and	fifty	Rand		
           - Cytomegalovirus (C.M.V.)
                                                                                                     (R250) if your keys are locked in your car. The AA will not pay for
           - Cryptococcal Meningitis

FNB Credit Card and Facility Terms and Conditions – July 2012                                                                                                                         7
           locksmith services to repair and replace locks, ignition switches or for                   35.1.6    If you are under special arrangement and you default twice, whether
           cutting keys.                                                                                        consecutively or at any time during the 60 month period, the Automatic
34.2.9     The AA will not pay for storage fees, vehicle repairs, replacement parts                             Debt Protection and Top-up Debt Protection Plan will automatically
           or charges for your alternate transportation, charges for help arranged                              terminate and you will lose your cover and have no claim under this
           directly by you or charges for help given to you by a private person.                                policy.
                                                                                                      35.1.7    Your monthly premiums will not be reimbursed to you if your policy is
34.3       Other important information
                                                                                                                cancelled for whatever reason.
34.3.1     We and the AA accept no liability for loss or damage to the vehicle or
                                                                                                      35.1.8    For further information on Automatic Debt Protection, including Top-
           any of its parts or accessories while it is unattended, or while it is in the
                                                                                                                up Debt Protection Plan (premium related) products, please visit our
           care or under the control of any contractor or garage or its employees or
                                                                                                                website on www.fnb.co.za or at the link that follows:
           any other person.
                                                                                                                https://www.fnb.co.za/personal/borrow/creditcards/debtprotection.html
34.3.2     The AA will help in any way possible to resolve disputes with AA
           appointed contractors where loss or damage happened while the                              35.2      Top-up Debt Protection Plan explained:
           vehicle was in the care or control of these contractors.                                   35.2.1    Top-up Debt Protection Plan is offered as a top up to the Automatic
34.3.3     Where the vehicle is towed, the AA accepts no responsibility for the                       	         Debt	Protection,	to	extend	your	specified	maximum	debt	cover	at	an		
           safekeeping or transport of the load, which will have to be removed from                             additional cost as follows:
           the vehicle before towing.                                                                           •	     This	benefit	protects	you	and	your	family	in	the	event	of	your	death	
34.3.4	    The	AA	reserves	the	right	to	refuse	any	service	or	benefit	where	the	AA		                                   or permanent disability from the outstanding debit balance of your
           service is being abused, used fraudulently or is no longer valid.                                           personal	FNB	Credit	Card	or	the	specified	maximum	amount	as	
                                                                                                                       stated in the table below, whichever is the lesser, at the time of
35         Debt Protection Products:                                                                                   the event. In the event of temporary disability or retrenchment we
35.1       Automatic Debt Protection                                                                                   will pay the minimum monthly instalment for up to (6) six months
                                                                                                                       as	per	your	monthly	statements.	The	risk	benefit	cover	will	end	on	
           (Graphite Credit Cardholders do not qualify for Automatic Debt
                                                                                                                       your	 70th	 birthday.	 This	 risk	 benefit	 is	 subject	 to	 the	 exclusions	
           Protection and Top-up Debt Protection).
                                                                                                                       as contained in the Top-up Debt Protection Plan Policy Brochure
35.1.1     You will receive Automatic Debt Protection cover, an embedded value-                                        terms and conditions or subsequent revisions to it.
           add service which provides cover against the outstanding balance or                                  •	     However, should your account not be in good standing at the time
	          the	maximum	specified	amount,	whichever	is	the	lesser,	on	your	credit		                                     of	the	event,	no	benefit	will	be	paid	out	to	you.	
           card facility at the time of your death or permanent disability, subject to                          •	     The	benefits	are	outlined	below:
           the following conditions:
           •	      We must receive satisfactory proof of your death or permanent                                      Top-up Debt       Death     Permanent       Temporary       Retrenchment
                   disability within (6) six months of the event;                                                    Protection Plan               Disability      Disability
           •	      We will not waive any amount owing to us that is greater than one
                   thousand Rand (R1 000) for “Smart” cardholders, two thousand                                                           a           a               a                a
                   Rand	 (R2	 000)	 for	 “Classic”	 (Silver)	 cardholders,	 five	 thousand	
                   Rand (R5 000) for “Gold” cardholders, twelve thousand Rand                         35.2.2    Insurance Premium: Top-up Debt Protection Plan is charged at a rate
                   (R12 000) for “Platinum” cardholders and one thousand Rand                                   per R1,000 of the outstanding balance which is over and above the
                   (R1 000) for “Standalone Petro Card” holders;                                      	         Automatic	Debt	Protection	maximum	specified	amount.	This	premium		
35.1.2     We will not waive any amount:                                                                        is subject to change and you will be informed of such changes when
           •	       If your illness, bodily injury, physical defect, ill-health or any other                    applicable.
                    incident or condition that played an important role in your death or
                    disability claim arose before opening your account;                               35.2.3	   Top-up	Debt	Protection	Plan	premium	and	maximum	specified		
           •	       If the claim is in any way due or can be traced to, or arises directly                      amount is:
                    or indirectly, entirely or partially, from:
                                                                                                                        Credit Card Type              Premium          Maximum Specified
                     •	     The	driving	of	any	vehicle	while	you	were	under	the	influence	                                                                                  Amount
                            of intoxicating liquor/alcohol or a drug having a narcotic effect
                                                                                                                             Platinum               R5 / R1 000                 R88 000
                            or if your blood alcohol levels exceeded the legal limit;
                     •	     Suicide	 within	 the	 first	 24	 (twenty	 four)	 months	 of	 the	                                   Gold                R5 / R1 000                 R 75 000
                            agreement,	 self-inflicted	 injury	 or	 self-inflicted	 illness	 (i.e.	                      Classic (Silver)           R6 / R1 000                 R 48 000
                            that you caused yourself), whether you intended to do so or
                                                                                                                               Smart                R6 / R1 000                 R 19 000
                            not, or if you exposed yourself to danger or obvious risk of
                            injury at your own free will;                                                              Petro (Standalone)           R6/ R 1 000                 R 9 000
                     •	     Intentionally consuming an excessive amount of alcohol,
                            drugs, or narcotics unless this was prescribed by a medical                         •	     In the event of your death (Death), we will pay an amount equal to
                            doctor. If the substance was, however, prescribed to treat                                 the outstanding balance of your personal FNB Credit Card or the
                            drug abuse, it will also be excluded;                                                      specified	maximum	amount,	whichever	is	the	lesser	at	the	time	of	
                     •	     Participating in a criminal act;                                                           the event. We will not settle any purchases made after the date of
                     •	     Involvement or participation in any war, invasion, acts                                    your death.
                            of foreign enemy, hostilities (whether war is declared or                           •	     If you become permanently disabled (Permanent Disability), we
                            not), civil war, mutiny, rebellion, usurped power, riot, civil                             will pay out an amount equal to the outstanding debit balance of
                            commotion or disorder.                                                                     your	personal	FNB	Credit	Card	or	a	specified	maximum	amount,	
           •	      If your account is not in good standing because it has an                                           whichever is the lesser at the time of the event. We will not
                   unacceptable arrears status as at the date of your death or the                                     settle any purchases made during the period of your permanent
                   event causing permanent disability, i.e. if you have not paid two or                                disability.
                   more monthly premiums owing on your credit card;
                                                                                                                •	     If you become temporarily disabled (Temporary Disability), we will
           •	      If this agreement and/or your right to use the credit card and/or
                                                                                                                       pay your minimum monthly credit card instalments as per your
                   your credit card facility ends; and/or
                                                                                                                       monthly statements for a period of (6) six months, starting on the
           •	      If at the date of your death or the event causing permanent
                                                                                                                       second due date after the date you became temporarily disabled.
                   disability, you are (seventy) 70 years old or older.
                                                                                                                       We will not pay any arrear instalments, interest or fees that became
35.1.3     It is your duty to inform us immediately if you have been accepted to
                                                                                                                       payable before you became disabled. If we, in our sole discretion,
           undergo debt review.
                                                                                                                       find	that	you	are	still	disabled	after	the	first	(6)	six	month	period,	we	
35.1.4     If you have applied and been accepted under the debt review process,
                                                                                                                       will continue to make similar payments for a maximum period of
           the Automatic Debt Protection Plan and the Top-up Debt Protection
                                                                                                                       another	(6)	six	months.	If	we	find	that	you	are	still	disabled	after	this	
           Plan will automatically terminate and you will not be able to claim any
                                                                                                                       period,	we	will	settle	a	specified	maximum	amount	or	the	remaining	
           compensation under these plans.
                                                                                                                       outstanding debit balance of your personal credit card, whichever
35.1.5     If you are paying monthly premiums for Top-up Debt Protection, such
                                                                                                                       is	the	lesser,	before	terminating	your	Risk	Benefit	Cover.	The	Risk	
	          premiums	will	be	cancelled	upon	notification	that	you	are	under	debt		
                                                                                                                       Benefit	Cover	is	limited	to	a	maximum	of	two	(2)	claims	on	your	
           review.

FNB Credit Card and Facility Terms and Conditions – July 2012                                                                                                                                    8
                 account. We will not settle any purchases made during the period       36.3.1.4   Should the Graphite cardholder exceed four (4) lounge visits per billing/
                 of your temporary disability.                                                     statement period, a fee per additional visit will be charged in accordance
                                                                                                   with the pricing guide.
           •	     If you are retrenched (Retrenchment), we will pay your minimum
                                                                                        36.3.1.5   Should Platinum cardholder exceed two (2) lounge visits per billing/
                  monthly credit card instalments as per your monthly statements for
                                                                                                   statement period, a fee per additional visit will be charged in accordance
                  a maximum period of six (6) months starting on the second due
                                                                                                   with the pricing guide.
                  date after the date you were retrenched. We will not pay any arrear
                                                                                        36.3.1.6   Peak-time allocation refers to Weekdays (Mon-Fri) from 04h45–07h00
                  instalments, interest or fees that became payable before you were
                                                                                                   and 15h00–17h30 and Sundays from 15h00-17h30.
                  retrenched.	The	Risk	Benefit	Cover	is	limited	to	a	maximum	of	two	
                                                                                        36.3.1.7   Peak time is not transferable to Off-peak time.
                  (2) claims on your account. We will not settle any purchases made
                                                                                        36.3.2     Access During Off-peak time
                  during the period of your retrenchment.
                                                                                        36.3.2.1   Graphite cardholders with a spend of more than R5 000 per month,
35.2.4	    All	the	Debt	Protection	Plan	benefits	are	subject	to	the	Top-up	
                                                                                                   in the most recent billing/statement period preceding the visit, on
           Debt Protection Plan Policy Brochure terms and conditions as
                                                                                                   their Graphite Credit Card will be allowed six (6) free SLOW Lounge
           issued by FNB Life, Reg. No. 1904/002186/06. Your application will
                                                                                                   visits per billing/statement period for the cardholder and/or guests
	          be	approved	based	on	your	confirmation	of	your	financial	needs	and		
                                                                                                   (i.e. six (6) visits for the cardholder only, three (3) visits for the
           understanding of the costs associated with this product.
                                                                                                   cardholder with one (1) guest per visit or two (2) visits for the cardholder
35.3       Contractual relationships and accreditation                                             with two (2) guests). FNB will cover the cardholder’s entry fee if the
           FNB Credit Card, a division of FirstRand Bank Limited. An                               account is in good standing.
           Authorised Financial Services and Registered Credit Provider.                36.3.2.2   Platinum cardholders with a spend of more than R5 000 per month,
           Company Reg. No. 1929/001225/06. NCA Reg. No. NCRCP20, has                              in the most recent billing/statement period preceding the visit, on their
           entered into an intermediary agreement with FNB Life, a division                        Platinum credit card will be allowed four (4) free SLOW Lounge visits
           of Momentum Group Limited, Reg. No. 1904/002186/06. FNB Life                            per billing/statement period for the cardholder and/or guests (i.e. four
           underwrites and administers the Debt Protection Plan, a long-term                       (4) visits for the cardholder only, two (2) visits for the cardholder with
           insurance policy, and has accredited FNB Credit Card to distribute this                 one (1) guest per visit or one (1) visit for the cardholder with three (3)
           product.                                                                                guests). FNB will cover the cardholder’s entry fee if the account is in
35.4       General                                                                                 good standing.
           Employees of FNB Credit Card are trained and accredited to explain           36.3.2.3   Graphite and Platinum cardholders with a spend of less than R5 000
           the contents of these products to interested clients. FNB Credit Card                   per month, in the most recent billing/statement period preceding
           holds professional indemnity insurance.                                                 the visit, on their Graphite or Platinum Credit Card will be charged in
35.4.1	    This	Insurance	Risk	Benefit	is	not	intended	to	satisfy	all	your	life		                  accordance with the pricing guide.
           insurance needs.                                                             36.3.2.4   Should the Graphite cardholder exceed six (6) lounge visits per billing/
35.4.2     Please visit our website at www.fnb.co.za or contact FNB Customer                       statement period, a fee per additional visit will be charged in accordance
           Enquiries on 011 369 2800 / 087 575 1111 for a copy of the Top-up                       with the pricing guide.
           Debt Protection Plan Policy Brochure terms and conditions. These FNB         36.3.2.5   Should the Platinum cardholder exceed four (4) lounge visits per billing/
           Credit Card and Credit Card Facility Terms and Conditions of Use as                     statement period, a fee per additional visit will be charged in accordance
           well as the Top-up Debt Protection Plan Policy Brochure terms and                       with the pricing guide.
           conditions govern this relationship. Should you require any further          36.3.2.6   Off-peak time is not transferable to Peak time.
           information, please do not hesitate to contact us on 011 369 2800 / 087      36.4       Access to International SLOW Lounge
           575 1111                                                                                As a Graphite cardholder you will be allowed to access and utilise the
35.4.3     Please note that the pricing and/or the details of the policy are                       services of the International SLOW Lounge situated in the international
           reviewable by FNB and/or its underwriters from time to time and these                   terminal of O.R. Tambo International Airport in the Republic of South
           changes will be communicated to you in writing.                                         Africa as per the following conditions:
                                                                                        36.4.1     Cardholders with a spend of more than R5 000 per month, in the
36         Domestic and International SLOW Lounges
                                                                                                   most recent billing/statement period preceding the visit, on their
36.1       Only FNB Graphite and Platinum credit cardholders are allowed                           Graphite Credit Card will be allowed four (4) free SLOW Lounge visits
           to access and utilise the services of the Domestic SLOW Lounges.                        per billing/statement period for the cardholder and/or guests (i.e. four
           Domestic SLOW Lounges are situated in the Domestic terminals                            (4) visits for the cardholder only, two (2) visits for the cardholder with
           of Cape Town International Airport (Cape Town), King Shaka                              one (1) guest per visit or one (1) visit for the cardholder with three (3)
           International Airport (Durban) and O.R. Tambo International Airport                     guests). FNB will cover the cardholder’s entry fee if the account is in
           (Johannesburg).                                                                         good standing.
36.2       Only FNB Graphite credit cardholders are allowed to access and utilise       36.4.2     Cardholders with a spend of less than R5 000 per month, in the
           the services of the International SLOW Lounge.                                          most recent billing/statement period preceding the visit, on their
           The International SLOW Lounge is situated in the International Terminal                 Graphite Credit Card will be charged in accordance with the pricing
           of O.R. Tambo International Airport (Johannesburg).                                     guide, and no guests are allowed (even at a charge).
36.3       Access to Domestic SLOW Lounges                                              36.4.3     Should the Graphite cardholder exceed four (4) lounge visits per
           As a Graphite and Platinum cardholder you will be allowed to access                     billing/statement period, a fee per additional visit will be charged in
           and utilise the services of the Domestic SLOW Lounges situated in the                   accordance with the pricing guide.
           domestic terminals of certain airports in the Republic of South Africa in    36.5       General Rules
	          accordance	with	peak	and	off-peak	access	times,	as	specified	below:          36.5.1     The credit card of the cardholder is the access mechanism which will
36.3.1     Access During Peak-time:                                                                allow access into the SLOW Lounge. Every swipe of the cardholder’s
36.3.1.1   Graphite cardholders with a spend of more than R5 000 per month,             	          card	will	be	classified	as	one	(1)	entry	into	the	SLOW	Lounge.	
           in the most recent billing/statement period preceding the visit, on their    36.5.2     Qualifying Criteria: Access into the SLOW Lounge is dependant on
           Graphite Credit Card will be allowed four (4) free SLOW Lounge visits                   whether you qualify in accordance with the qualifying conditions, as
           per billing/statement period for the cardholder and no guests (even at a                determined by FNB from time to time, and are the following:
           charge). FNB will cover the cardholder’s entry fee if the account is in      	          •	             Domestic	SLOW	Lounges:	Must	be	an	FNB	Graphite	or		
           good standing.                                                                                         Platinum credit cardholder;
36.3.1.2   Platinum cardholders with a spend of more than R5 000 per month,             	          •	             International	SLOW	Lounge:	Must	be	an	FNB	Graphite		
           in the most recent billing/statement period preceding the visit, on their                              credit cardholder;
           Platinum Credit Card will be allowed two (2) free SLOW Lounge visits         	          •	             The	Graphite	or	Platinum	credit	cardholder’s	account	must		
           per billing/statement period for the cardholder and no guests (even at a                               be in good standing (cannot be under debt review);
           charge). FNB will cover the cardholder’s entry fee if the account is in      	          •	             The	Graphite	or	Platinum	Credit	Card	must	be	present	in		
           good standing.                                                                                         order for the cardholder to gain access. If the credit card is
36.3.1.3   Graphite and Platinum cardholders with a spend of less than                                            not present, the cardholder will be denied access to the
           R5 000 per month, in the most recent billing/statement period                                          SLOW Lounge;
           preceding the visit, on their Graphite or Platinum Credit Card will be       	          •	             The	name	on	the	Graphite	or	Platinum	Credit	Card	must		
           charged in accordance with the pricing guide, and no guests are                                        correspond with the name on the boarding pass for the
           allowed (even at a charge).                                                  	          	              Graphite	or	Platinum	credit	cardholder’s	flight.


FNB Credit Card and Facility Terms and Conditions – July 2012                                                                                                                 9
36.5.3      The SLOW Lounge, at its discretion, may refuse access to any                                           cardholder will be denied access to SLOW in the City.
           cardholder or guest.                                                           	           •	           The	Graphite	cardholder	agrees	to	pay	the	applicable	fees		
36.5.4     Cardholders are not allowed to bring minors into the SLOW Lounge                                        in terms of the access packages, and additional services
           unless the minor is the guest allowed access in terms of clause 36.3                                    chosen, and in accordance with the Pricing Schedule for
           and 36.4 above. Please note that minors under the age of two are                                        SLOW in the City and tariffs charged.
           allowed free access into the SLOW Lounge.                                      37.1.4.3    FNB reserves the right to revoke access to any cardholder and to
36.5.5     Should the cardholder’s guest be a minor (person under the age of 18                       amend the qualifying criteria as it deems necessary from time to time.
           years), the minor must be accompanied by an adult at all times.                37.1.4.4    FNB is not liable for any damage, loss or claim of any nature
36.5.6     Additional guests are only allowed access to the SLOW Lounge if                            that arises while the FNB qualifying cardholder, and/or guest
           there is space available to accommodate them within the SLOW                               utilises the services of SLOW in the City. The cardholder confirms
           Lounge, subject to the SLOW Lounge Manager’s discretion, and will be                       that this provision has been drawn to its attention and that an
           charged a fee in accordance with the pricing guide.                                        adequate opportunity has been afforded for it to receive and
36.5.7	    Spend	on	both	the	Straight	and	Budget	facility	qualifies	towards	the		                     comprehend the provision.
           required R5 000 per billing/statement period.                                  37.1.4.5    Subject to availability and at SLOW in the City’s Manager’s discretion,
36.5.8     For purposes of Graphite cardholders, in terms of clause 36.3 and                          access for additional guests will be charged in accordance with the
           36.4 above, the spend of R 5 000 per billing/statement period                              Pricing Schedule for Slow in the City*.
           will include spend across the primary and additional cardholders’              37.1.4.6    Eligible Guests will select an access package, which determines what
           accounts.                                                                                  Services they will be allowed to use.
36.5.9     For purposes of clause 36.3 and 36.4, “billing/statement period” will          37.1.4.7    Additional services, over and above the Eligible Guest’s access
           refer to the period within which SLOW Lounge visits and qualifying                         packages, may also be purchased by the Eligible Guest on the day.
	          spend	will	be	tracked	and	this	will	be	in	line	with	the	dates	reflected	on		   37.1.4.8    The access packages and additional Services will be charged in
           the cardholder’s monthly account statement.                                                accordance with the Pricing Schedule for Slow in the City*.
36.5.10    Where a fee is incurred by additional Graphite cardholders, who                37.1.4.9    All expenses incurred will be billed. Thereafter, the invoice will be
           are issued an additional Graphite card by the primary Graphite                             generated and the cardholder will settle the bill prior to departure from
           cardholder, the fees will be charged directly to the additional Graphite                   SLOW in the CITY. Note: the bill can be settled by Credit Card only. All
           cardholder’s account; and each additional Graphite cardholder have                         bills have to be settled before departing SLOW in the City.
           their own individual allocation of visits allowed.                             37.1.4.10   Eligible Guests will have limited use of meeting rooms (restricted to
36.5.11    Where a fee is incurred by Platinum cardholders, the fee will be charged                   a maximum of nine (9) people), subject to the availability of the meeting
           directly to the primary Platinum cardholder’s account and the primary                      rooms and in accordance with the following criteria:
           Platinum cardholder will be liable for the repayment of the amount. This       	           •	           Eligible	Guests	must	reserve	the	meeting	room.
           will include circumstances where additional Platinum cards are used by         	           •	           SLOW	in	the	City	will	charge	the	Eligible	Guest	for	the	use		
           additional cardholders; and the primary and each additional Platinum                                    of the meeting room based on the actual duration of usage
           cardholder will share the allocation of visits allowed.                                                 and according to the tariffs applicable in terms of the Pricing
36.5.12    No cardholder or guest who has gained access is allowed to be                                           Schedule for SLOW in the City*.
           intoxicated or use abusive language. Such behaviour will result in the         	           •	           A	cancellation	fee	may	be	charged	if	the	Eligible	Guest		
           cardholder and/or guest being removed from the SLOW Lounge. The                                         does not utilise a booking and/or fails to cancel any booking
           cardholder and/or guest may have their access permanently revoked.             	           	            made,	within	the	specified	timelines.
36.5.13    FNB reserves the right to revoke access to any cardholder and to               37.2        Event Booking: Access applicable to all FNB credit cardholders
           amend the qualifying criteria as it deems necessary from time to time.                     (Classic, Gold, Platinum and Graphite)
36.5.14    FNB is not liable for any damage, loss or claim of any nature that arises                  FNB credit cardholders will be entitled to book to hold and cater for
           while the FNB qualifying client and/or guest utilises the services of                      business functions and meetings at SLOW in the City’s conference and
	          the	SLOW	Lounge.	The	cardholder	confirms	that	this	provision	has		                         meeting room facilities as Clients.
           been drawn to its attention and that an adequate opportunity has been
                                                                                          Definitions
           afforded for it to receive and comprehend the provision.
                                                                                          “Attendee/s” mean the guests attending the Event Booking of the Client.
37         SLOW in the City                                                               “Client/s” means FNB cardholders who make an Event Booking.
           Access to SLOW in the City is only available from 06h00 to 21h00               “Event” means a business function or meeting for ten Attendees or more.
           on business days, which excludes Saturdays, Sundays and Public Holidays.       “Event Booking” means a booking made by a Client in advance to hold a business
37.1       Access for Graphite cardholders only.                                          function or meeting for ten Attendees or more.
            (Private use of SLOW in the City)                                             “Services” means the use of SLOW in the City’s facilities for an Event Booking,
37.1.1     Definitions                                                                    and includes the booking of meeting rooms and conference facilities, catering, audio
           “Companion/s” means the guest/s of the Eligible Guest.                         visual and signage, and excludes any additional services.
           “Eligible Guest/s” means qualifying Graphite credit cardholders.               	            •	         A	Client	must	make	an	Event	Booking	at	SLOW	in	the	City.
           “Services” means the use of SLOW in the City’s facilities for private          	            •	         SLOW	in	the	City	will	provide	the	Client	with	a	quotation		
           use which includes access to the general Lounge, limited SLOW                                          for the Event based on the requirements and Services
	          beverages,	unreserved	meeting	rooms,	Wifi	and	HP	workstations,	and		                                   requested by the Client.
           excludes any additional services.                                              	            •	         Acceptance	of	the	quotation	will	only	be	valid	if	the		
37.1.2     Only Graphite credit cardholders are allowed to access and utilise the                                 quotation is signed by the Client, and on acceptance of the
           services of SLOW in the City as Eligible Guests.                                                       signed quotation, a booking will be made.
37.1.3     Each Graphite cardholder will be allowed access for the cardholder             	            •	         A	cancellation	fee	will	be	charged	if	the	Client	does	not		
           and guests accompanying them into SLOW in the City, in terms of the                                    utilise a booking and/or fails to cancel any booking made.
           Pricing Schedule for Slow in the City*.                                        	            •	         On	receipt	of	the	signed	quotation,	SLOW	in	the	City	shall		
37.1.4     General Rules                                                                                          issue an invoice, and the Client will be liable to pay the full
37.1.4.1   The card of the cardholder is the access mechanism which will allow                                    amount as per the invoice.
           access into SLOW in the City, and the cardholder will be required to           	            •	         If	the	Client	uses	any	additional	services	during	the	Event		
	          confirm	certain	contact	information	in	order	to	be	granted	access.	                                    that are not included in the quotation, an additional invoice
37.1.4.2   Qualifying Criteria: Access into SLOW in the City is dependent on                                      will be issued, for which amount the Client will be liable to
           whether you qualify in accordance with the qualifying conditions, as                                   pay in full, and must be settled by the Client on the day of
           determined by FNB from time to time, and are the following:                                            and prior to leaving the Event.
	          •	           Must	be	an	FNB	Graphite	Credit	Cardholder;	                       	            •	         For	details	regarding	invoicing	and	payment,	kindly		
	          •	           The	Graphite	credit	cardholder’s	account	must	be	in	good		                                contact SLOW in the City on 084 777 7569 and/or refer
                        standing (cannot be under debt review).                                                   to the Terms and Conditions for Event Bookings*.
	          •	           The	Graphite	Credit	Card	must	be	present	in	order	for	the		       	            •	         Only	credit	card	payments	and	EFTs	are	accepted.	No	cash		
                        cardholder to gain access. Cardholder details will be                                     payments shall be accepted.
	          	            verified	to	ensure	that	the	card	was	issued	to	that	specific		    	            •	         No	third	party	may	issue	instructions	relating	to	the	booking		
                        cardholder. If the Graphite Credit Card is not present, or                                on behalf of the Client.
	          	            the	card	was	not	issued	to	that	specific	cardholder,	the		


FNB Credit Card and Facility Terms and Conditions – July 2012                                                                                                                 10
	          •	           The	Client	must	disclose	to	SLOW	in	the	City	the	purpose		                         harmless SLOW in the City against all claims, demands
                        for which the Event is being held and the names and                                or causes of action, including damages and legal fees
                        number of attendees.                                                               and expenses arising out of the purchase and use of
	          •	           The	Client	and	its	Attendees	are	only	permitted	to	use	the		                       Services at SLOW in the City. The Eligible Guest and
                        Services that have been booked and additional services          	      	           Client	also	indemnifies	SLOW	in	the	City	against	any		
                        requested, and are not permitted to use the general Lounge                         claim based on the conduct of the Eligible Guest and Client
                        facilities before, during or after the Event.                                      and/or Companions and Attendees at SLOW in the City.
	          •	           SLOW	in	the	City	reserves	the	right	to	refuse	to	accept	any		   	      c)		        The	Eligible	Guest	and	Client	confirm	that	this	provision		
                        booking at its sole discretion.                                                    has been drawn to its attention and that an adequate
	          •	           The	Client	and	its	Attendees	must	vacate	SLOW	in	the	City		                        opportunity has been afforded for it to receive and
                        immediately after the end of the Event or at any time, on the                      comprehend the provision.
                        request of the SLOW Lounge manager.
                                                                                        37.6   Contact Details
	          •	           SLOW	in	the	City	reserves	the	right	to	charge	the	Client	an		
                                                                                               For any information and queries relating to the Services of SLOW
                        additional fee if the Client overruns the agreed scheduled
                                                                                               in the City, contact them directly on 084 777 7569 and/or email
                        end time of the Event, which will be added to the Client’s
                                                                                               sandton@slowinthecity.co.za.*The Pricing Schedule for Slow in the
                        invoice.
                                                                                               City, The Terms and Conditions for Eligible Guests at SLOW in the City
	          •	           SLOW	in	the	City	shall	provide	Services	as	specified	in	the		
                                                                                               and the Terms and Conditions for Event Bookings at SLOW in the City
                        quotation for the Event. If for any reason any Services are
                                                                                               can be found at www.slowinthecity.co.za and can be directly accessed
                        not available, SLOW shall attempt to provide alternate
                                                                                               via our website in accordance with the following link:
                        Services.
                                                                                               https://www.fnb.co.za/cheque-accounts/slow-in-the-city.html.
	          •	           The	Client	shall	use	the	Services	required	for	the	Event		
                        as provided by SLOW in the City and its designated              38     FNB Rewards
                        suppliers. The Client must obtain permission in writing
                                                                                               For all information on FNB Fuel and Airtime Rewards, including
                        from SLOW to use any third party in the management or
                                                                                               the terms, conditions and rules relating to the rewards and points
                        supply of any equipment and services associated with the
                                                                                               earned, please contact the call centre on 0860 112 244 or visit
                        Event.
                                                                                               www.fnbfuelrewards.co.za
37.3       General Rules of SLOW in the City: (Applicable to Eligible Guests,
           Companions, Clients and Attendees)
	          •	           You	shall	not	bring	any	food	or	drink	into	SLOW	in	the	City		
                        for consumption on the premises without the prior written
                        permission from the SLOW Lounge manager.
	          •	           You	shall	not	display	any	signage,	banners	or	branding		
                        inside SLOW in the City except where approved in
	          	            advance,	in	writing,	by	SLOW	in	the	City	and	may	not	affix		
	          	            any	items	onto	the	walls,	floor,	ceilings	or	doors	of	any		
                        meeting and function rooms.
	          •	           Smoking	is	prohibited	in	SLOW	in	the	City.	Anyone	wishing		
                        to smoke must utilize designated smoking areas outside of
                        SLOW in the City and must comply with all existing safety
                        and security legislation and regulations as communicated to
                        you by SLOW in the City.
	          •	           You	are	not	allowed	to	be	intoxicated	or	use	abusive		
                        language while accessing and using SLOW in the City.
                        Such behaviour will result in your removal from SLOW
                        in the City, and you may have your access permanently
                        revoked.
	          •	           You	must	adhere	to	the	specific	Dress	Code	from	18:00		
                        daily - the minimum dress requirement is Smart Casual.
	          •	           You	are	required	at	all	times	to	comply	with	the	reasonable		
                        requests and/or instructions of SLOW management relating
                        to the use of SLOW in the City.
	          •	           SLOW	in	the	City	will	be	entitled	to	expel	you	or	deny	you		
                        access to SLOW in the City if you fail to comply with these
                        Rules.
37.4       The Eligible Guest and Client shall compensate SLOW in the City and/
           or its agents/suppliers or third parties for any loss or damage caused
           by the Eligible Guest and Client or its Companions and Attendees
           to SLOW in the City or any other third party making use SLOW in
           the City. The Eligible Guest and Client will be responsible for the full
           cost of compensation, replacement or repair of any such loss or
           damage, as determined by SLOW in the City. The Eligible Guest and
	          Client	confirm	that	this	provision	has	been	drawn	to	its	attention	and		
           that an adequate opportunity has been afforded for it to receive and
           comprehend the provision.
37.5       a)           SLOW in the City shall not be liable for any loss, death,
                        injury or damage, whatsoever caused, to the Eligible Guest
                        and Client and/or Companions and Attendees whilst in or
                        making use of the Facility except where such loss,
                        death, injury or damage is as a direct result of the gross
                        negligence and/or willful misconduct of SLOW in the City,
                        its employees or agents.
	          b)		         The	Eligible	Guest	and	Client	indemnifies	and	holds		




FNB Credit Card and Facility Terms and Conditions – July 2012                                                                                                       11
                                                           Comprehensive Global Travel Insurance
                                             SCHEDULE OF BENEFITS (Persons up to the age of 70 (not yet 71)
                                                                            Limit per travel ticket purchased
                                                      Description                                                                        Benefit                               Excess
   Emergency Medical and Related Expenses
      Emergency Medical Expenses – Local                                                                                                R 175 000                              R 1 000
      Emergency Medical Expenses – International                                                                                       R 10 000 000                            R 2 000
      War or Terrorism – Local                                                                                                          R 175 000                              R 1 000
      War or Terrorism – International                                                                                                 R 10 000 000                            R 2 000
   Related Expenses
      Medical Transportation and Repatriation                                                                                           Included in Emergency Medical Expenses
      Visit by a family member                                                                                                          Included in Emergency Medical Expenses
      Repatriation of Children                                                                                                          Included in Emergency Medical Expenses
      Repatriation of Travel Companion                                                                                                  Included in Emergency Medical Expenses
      Burial, Cremation and Return of Mortal remains                                                                                    Included in Emergency Medical Expenses
      Hospital Inconvenience                                                                                                                  R 200 per day – Total of R 3 000
   Pre-Existing Medical Cover
      Pre-Existing Medical Cover (Minimum Delay Period – 48 hours)                                                                      R 100 000                             48 Hours
      Transportation and Repatriation                                                                                                     Included in Pre-Existing Medical Cover
   Emergency Assistance Services
     Medical Referral                                                                                                                                     Service Only
     Medical Monitoring                                                                                                                                   Service Only
     Emergency Medicine                                                                                                                                   Service Only
     Evacuation                                                                                                                         Included in Emergency Medical Expenses
     Repatriation                                                                                                                       Included in Emergency Medical Expenses
     Return of Mortal Remains                                                                                                 Included in Burial, Cremation and Return of Mortal Remains
     Transmission of Urgent Messages                                                                                                                      Service Only
     Embassy Referral                                                                                                                                     Service Only
     Emergency Travel and Accommodation Arrangements                                                                                                      Service Only
     Legal Assistance                                                                                                                            Included in Legal Expenses
     Bail                                                                                                                                                 Service Only
     Return in case of death or imminent death of a close Relative                                                                                        Service Only
     Loss of Travel Documents                                                                                                      Included in Loss of Cash and/or Travel Documents
     Cash advances                                                                                                                                        Service Only
   Personal Accident                                                                                                                       Benefit                              Excess
      Accidental Death                                                                                                                    R 250 000
      Accidental Permanent Disablement                                                                                                    R 750 000
      Accidental Death and/or Accidental Permanent Disablement as a result of acts of War or Terrorism                                     Included
   Cancellation and Curtailment
      Journey Cancellation                                                                                                                R 10 000                                R500

      Journey Curtailment                                                                                                                 R 10 000                                R500
   Travel Delay
      Travel Delay (Minimum Delay Period – 6 hours)                                                                                        R 2 000                              6 Hours
   Personal Liability                                                                                                                    R 2 500 000
      Hijack, Hostage or Wrongful Detention Inconvenience                                                                     R750 per day / Max R 10 000

   Benefit per day                                                                                                                           R750
      Maximum	Benefit	                                                                                                                    R 10 000
   Legal Expenses                                                                                                                          R 5 000
   Replacement Personnel                                                                                                                  R 10 000
   Luggage
      Luggage                                                                                                                              R 5 000                               R 500
      Maximum Single Item Limit                                                                                                             R 1000
   Luggage Delay         (Minimum Delay Period – 6 hours)                                                                                  R 2 000                              6 Hours
   Loss of Cash and / or Travel Documents                                                                                                  R 1 500                               R 500



The above table is merely a summary of some of the main features of the Travel Policy. It is your responsibility to obtain a copy of the full Travel Policy prior to commencing your journey. The terms,
conditions and exclusions of the Policy are available at www.fnb.co.za or you may contact the Global Travel Insurance Helpdesk, and they will arrange for the policy to be sent to you.
FirstRand Bank Limited adheres to the Code of Banking Practice and the National Credit Act. For further information on all your rights as a consumer in terms of the National Credit
Act, please visit our website on www.fnb.co.za or visit the National Credit Regulator’s website on www.ncr.co.za


FNB Credit Card and Facility Terms and Conditions – July 2012                                                                                                                                       12
                                                     DEFINITIONS USED IN THIS AGREEMENT

“access channel”                                                                           various credit providers in the event that the cardholder seeks assistance from the
Means any form of access technology including, but not limited to the Internet or          debt counsellor.
mobile phone technologies or Interactive Voice Response (IVR) system.
                                                                                           “exchange control regulations”
“account/facility”                                                                         Means exchange controls that are administered by the South African Reserve Bank
Means the credit card account or Petro Card account (as applicable) opened by us in        Exchange Control department and through commercial banks authorised to deal in
your name or in the additional cardholder’s or additional accountholder’s name.            foreign exchange. All international commercial transactions must be accounted for
                                                                                           through	these	authorised	financial	exchange	dealers.
“additional cardholder”
Means any person authorised by you to be issued an additional credit card under            “FNB ”
your responsibility.                                                                       Means First National Bank, a division of FirstRand Bank Limited.

“additional account”                                                                       “full payment”
Means any credit card or Petro Card account opened by us in the additional                 Means total transactions, plus interest, plus fees.
cardholder’s name for which the Primary Cardholder is responsible.
                                                                                           “good standing’
“agreement”                                                                                Means an account that is open, active and not more than one month in arrears.
Means the pre-agreement statement, accompanying quotation and terms and
conditions of use, as amended from time to time in accordance with the provisions          “Immediate Family”
of the NCA, together with your application form (signed by you and/ or any additional      Means spouse, life partner, parent, legal guardian, step parent, grandparent,
cardholder), or the application information supplied to us telephonically or by fax, and   grandchild, in-law (son, daughter, sister, brother or parent), natural or adopted child,
the eBucks programme (if applicable), as well as the value-add services terms and          brother, sister, step brother or step sister.
conditions, form the whole agreement between you and us.
                                                                                           “linked Petro Card”
“Auto Payment”                                                                             Means a Petro Card that we issue to you which is linked to a credit card in your
Means an instruction given by an account holder to us to make regular payments             name.
on given dates to the same payee. Reference to Auto Payment shall include debit
orders.                                                                                    “minimum amount”
                                                                                           Means Closing Balance amount, Minus any Overdue amount, Minus any Budget
“ATM”                                                                                      Installments, Minus Membership fees, Minus any remaining Over limit amount, Minus
Means an Automated Teller Machine.                                                         Optional Debt Protection Premium amount (where applicable). We then calculate
                                                                                           5%	(the	minimum	monthly	repayment	percentage	as	stipulated	on	your	quotation)	
“attorney and client scale”                                                                (please	note	this	figure	may	vary	per	product)	on	the	remaining	amount
Means the fees and expenses which a client is liable to pay to his attorney for services
rendered in respect of a legal matter.                                                     “National Credit Act”
                                                                                           Means the National Credit Act 34 of 2005.
“AA”
Means the Automobile Association of South Africa.                                          “NCA Customer”
                                                                                           Means a person who entered into a new credit agreement on or after 1 June 2007.
“cardholder, you, your, I”
Means the cardholder to whom we have issued the card.                                      “over indebted”
                                                                                           Means when a consumer is unable to satisfy all his obligations as required in the
“channels”                                                                                 credit agreement in a timely manner.
Cell-phone banking, online banking, branch banking, ATM banking.
                                                                                           “permanently disabled”
“Chip”                                                                                     Means disabled to the extent that you cannot reasonably be expected to perform
Means the integrated circuit that is embedded in a plastic card and which is designed      your current occupation or a similar occupation following reasonable rehabilitation
to perform processing and/or memory functions.                                             or training.

“Chip & PIN”                                                                               “Petro Card”
Means a plastic card, commonly called a chip card, with an embedded chip that              Means a Petro Card that we issue to you.
communicates information to a point of sale terminal and/or other electronic devices.
                                                                                           “PIN”
“credit card”                                                                              Means	the	personal	identification	number	linked	to	the	credit	card.
Means the relevant magnetic-strip and/or chip & PIN Visa Credit Card, Visa Electron
Credit card or Petro Card that we issue to you.                                            “Public Conveyance”
                                                                                           Means a scheduled or chartered conveyance licensed to carry passengers in which
“credit provider”                                                                          you are travelling as a fare-paying passenger but excluding taxis, motorcycles, hire
Means the person who grants credit under a credit agreement.                               motor vehicles, single engine aircrafts and/or helicopters.

“credit provider, the bank, we, us, our”                                                   “purchase transaction”
Means FirstRand Bank Limited, a registered bank, registration number                       Means any transactions resulting in your credit card being debited by an amount
1929/001225/06.                                                                            charged by the supplier for goods or services purchased by the use of the card.

“debt counsellor”                                                                          “pricing guide”
Means a person registered in terms of the National Credit Act and who carefully            A list of the full current pricing issued by FNB Credit Card chargeable for
examines a consumer’s debt situation and suggests the best plan of action.                 transactions.

“debt review”                                                                              “Repo Rate”
Means a process whereby a debt counselor reviews the collective debts owing to             Means the rate at which the Central Bank lends cash to the banking system, which is
                                                                                           an indicator for short term interest rates.

                                                                                           “specified payment”
                                                                                           Means	 payment	 above	 the	 monthly	 minimum	 amount	 reflected	 on	 your	 monthly	
                                                                                           account statement.



FNB Credit Card and Facility Terms and Conditions – July 2012                                                                                                                  13
“spend”                                                                                   Contact Details and Complaints Process
Means all point of sale transactions and fuel transactions excluding cash transactions,
cash withdrawals and EFT’s.                                                               FNB’S REGISTERED ADDRESS
                                                                                          Physical Address
“standalone Petro Card”                                                                   Group	Company	Secretary’s	Office
Means a Petro Card that we issue to you which is a separate Petro Card account in         1st Floor, 4 Merchant Place
your name.                                                                                Corner of Fredman Drive and Rivonia Road
                                                                                          Sandton
“transact / transaction”                                                                  2196
Means a purchase and / or cash withdrawal and / or transfer that results in a debit or
credit on a cardholders account.                                                          FNB’S REGISTERED ADDRESS
                                                                                          Physical Address
“Travel Companion”                                                                        FNB Place
Means the person who is sharing travel and accommodation arrangements with                30 Diagonal Street
you.                                                                                      Johannesburg
                                                                                          2001
“Travel Policy”
Means the Travel Insurance Master Policy issued to us, which provides for travel          Postal address
insurance for our cardholders.                                                            PO Box 1420
                                                                                          Johannesburg
“Usury Act”                                                                               2000
Means the Usury Act 73 of 1968, as amended.
                                                                                          Tel: 011 371 1212
“Usury Act customer”                                                                      Fax: 011 352 9904
Means a person who entered into a credit agreement before 1 June 2007.                    E-mail address:	fnbcard@fnb.co.za
                                                                                          Website address: www.fnb.co.za
“Visa”
Means Visa International Services Association.                                            FNB CREDIT CARD COMPLIANCE OFFICER
                                                                                          Physical Address
                                                                                          The	Compliance	Officer
                                                                                          FNB FAIS LCO 3071
                                                                                          3rd Floor
                                                                                          1 First Place
                                                                                          BankCity
                                                                                          cnr Simmonds and Pritchard Streets
                                                                                          Johannesburg
                                                                                          2001

                                                                                          Postal address
                                                                                          First National Bank
                                                                                          PO Box 1153
                                                                                          Johannesburg
                                                                                          2000

                                                                                          Tel: 011 371 3958
                                                                                          Fax: 011 371 9613

                                                                                          FNB CREDIT CARD COMPLAINTS DEPARTMENT
                                                                                          Tel: 011 369 1115 / 087 575 9408
                                                                                          Fax: 011 632 2317
                                                                                          E-mail address:	care@fnb.co.za	

                                                                                          LEGAL NOTICES MAY BE SERVED AT
                                                                                          Physical Address
                                                                                          Compliance Support at Interbank Risk & Compliance
                                                                                          3rd Floor
                                                                                          1 First Place
                                                                                          BankCity
                                                                                          Cnr Pritchard and Simmonds Streets
                                                                                          Johannesburg
                                                                                          2001




FNB Credit Card and Facility Terms and Conditions – July 2012                                                                                 14
OMBUDSMAN FOR BANKING SERVICES CONTACT DETAILS                                            THE NATIONAL CREDIT REGULATOR (regulates creditors/debt counselors/credit
Physical Address                                                                          bureau) / THE NATIONAL CONSUMER TRIBUNAL (Complaints)
28 Harrison Street
                                                                                          Tel: 0860 627 627
Johannesburg
                                                                                          Website address: www.ncr.org.za
South Africa
2000
                                                                                          CREDIT BUREAU
                                                                                          TransunionITC:                       Tel: 0861 482 482
Postal address
                                                                                          Experian:                            Tel: 0861 105 665
PO.Box 5728
                                                                                          Expert decision systems:             Tel: 0860 937 000
Johannesburg
2000
                                                                                          DEBT PROTECTION
                                                                                          For applications:                    Tel: 011 369 2800 / 087 575 1111
Tel:                   011 712 1800 / 0860 800 900
                                                                                                                               Fax: 011 352 9904
Fax:                   011 838 0043
                                                                                          Admin queries:                       Tel: 011 369 2800 / 087 575 1111
E-Mail:                Info@obssa.co.za	
                                                                                          Claims:                              Tel: 011 369 2800 / 087 575 1111
Website address:       www.obssa.co.za
                                                                                                                               Fax: 011 352 9904

FAIS OMBUDSMAN CONTACT DETAILS (ADVICE-RELATED COMPLAINTS)
                                                                                          FNB ADMIN DEPARTMENT
Physical Address
                                                                                          Platinum Customers                   Tel: 011 352 5996 / 087 575 1122
Charles Pillai
Eastwood	Office	Park
                                                                                          Customer services for FNB Credit Card (Smart, Classic (Silver) and Gold credit
Cnr Lynnwood Road & Jacobson Drive
                                                                                          card holders)                   Tel: 011 369 2800 / 087 575 1111
Baobab House
                                                                                                                          Fax: 011 352 9904
Ground Floor
Lynnwood Ridge
                                                                                          FNB Credit Card Platinum and VIP Customers
Pretoria East
                                                                                          Tel: 011 352 5996 / 087 575 1122
0040

Postal address                                                                            RELEVANT CONTACT NUMBERS
PO Box 74571
Lynnwood Ridge                                                                            FNB Credit Card Applications
0040                                                                                      Tel: 0860 102 490

                                                                                          Lost or Stolen Cards
Tel:                   012 470 9080 / 0860FAISOM (0860324766)                             Tel: 0800 110 132 / (011) 369 1189
Fax:                   012 348 3447
                                                                                          Fraud
E-mail address:	       info@faisombud.co.za
                                                                                          Tel: 011 352 5910
Website address:       www.faisombud.co.za
                                                                                          Card Cancellations
LONG-TERM INSURANCE OMBUDSMAN (Complaints)                                                Tel: 0800 110 132
Physical Address
                                                                                          Debt Collection
Third Floor
                                                                                          Tel: 011 352 5369
Sunclare Building
21 Dreyer Street                                                                          Debt Review Centre
Claremont                                                                                 Tel: 0860 362002
Cape Town                                                                                 Deceased Estate Department
7700                                                                                      Tel: 011 352 6498

                                                                                          Limit Increase Department
Postal address
                                                                                          Tel: 011 632 2212
Private Bag X45
Claremont                                                                                 Balance Transfer Division
Cape Town                                                                                 Tel: 0860 282 273
7735
                                                                                          Value-added Services (Value-adds)
                                                                                          Tel: 011 369 2800/087 575 1111
Tel:                   021 657 5000
Fax:                   021 674 0951                                                       eBucks
E-mail address:		      info@ombud.co.za                                                   Tel: 0861 233 000

                                                                                          AA Emergency Roadside Assistance
REGISTRAR OF LONG-TERM INSURANCE (regulator/information)                                  Tel: 0860 70 60 50
Postal address
                                                                                          Comprehensive Global Travel Insurance
Financial Services Board
                                                                                          Tel: 0861 490 100
PO Box 35655
Menlo Park                                                                                NCA Helpline
0102                                                                                      Tel: 0860 627 627

                                                                                          FNB Related Enquiries
Tel:                   (Toll Free): 0800 110 443 / 0800 202 087
                                                                                          Tel: 0860 11 22 44
Fax:                   012 347 0221
E-mail address:	       Info@fsb.co.za
Website address:       www.fsb.co.za




FirstRand Bank Limited adheres to the Code of Banking Practice and the National Credit Act.
For further information on all your rights as a consumer in terms of the National Credit Act, please visit our website on www.fnb.co.za or visit the National Credit
Regulator’s website on www.ncr.co.za


FNB Credit Card and Facility Terms and Conditions – July 2012                                                                                                          15

				
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