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understand your FNBproduct terms andconditions.Date last amended:18 September 2014First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).

Contentget an additionalsmartphone, tablet or laptopwith 24 months to pay and zero additional interest,fees or charges with your FNB Cheque Account.SMS your ID number and branch name to 32216,or visit www.fnb.co.za.First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).1. This important legal documentrecords your agreement withFNB.2. Who qualifies to apply forproducts supplied FNB?5. Special offers relating to theFNB Fluid Account.5. FNB owns the product suppliedby FNB until you have paid forit. While it is in your possession,you alone carry the risk if theproduct supplied by FNB is lost,damaged or stolen. It is yourresponsibility to ensure thatthe product supplied by FNB isinsured.5. Rules pertaining to accessories6. How and when you must payfor the product supplied byFNB?8. Circumstances under whichyou must pay the full FNB retailprice of the products suppliedby fnb9. Early cancellation12. Set off12. What happens if you don’tmeet your obligations underthis agreement (default)13. Defective products supplied byFNB13. Limitation of liability13. Dispute resolution14. Pre- Ordered Products14. General15. Terms and conditions for fnbvodacom telecommunicationcontracts supplied by FNB19. Terms and conditions for FNBCell C telecommunicationcontracts supplied by FNB18. Errors And Omissions

1 2Terms and conditions for productssupplied by FNBDate last amended: 18 September 2014• For enquiries relating to FNB Vodacom Telecommunications contracts, which include, but arenot limited to contract cancellations, Out of Box Failure’s, Billing, Value Added Service charges,Statements, and sim swops please contact 087 736 7270.• By entering into this agreement, you confirm that the specified order placed by you is correct;and that the Product/s selected by you serves your intended purpose for the use of the specifiedProduct/s.• Any reference to FNB shall mean First National Bank.1. This important legal document records your agreement with FNB.• These Terms and Conditions will apply to you if you purchase any available Product from FNB, whichmay include Smart Devices (Smartphones, Tablets, Laptops), Gaming Consoles (Xboxes, Sony PlayStations), Appliances (Television Sets, Blu-Ray players, DVD Players, Home Entertainment Theatres)and Accessories (Apple TV’s, Covers, Screen guards, Software Packages) and Telecommunication SimCards / Contracts), over a 24 month period.• These Terms and Conditions form a legally binding agreement between you and FNB, and explainyour and FNB’s legal rights and duties to each other when you purchase any Product through FNB.You must read these terms & conditions carefully. You must contact FNB or get advice if you don’tunderstand any part of these Terms and Conditions.• These Terms and Conditions will apply to you in addition to the Terms and Conditions that applyto your FNB Cheque Account, the FNB General Terms and Conditions, and the Remote BankingAgreement that governs your use of Online banking and the FNB Banking App.• FNB may change these terms & conditions because of changes in legislation, changes to theagreements with our suppliers, and/or changes to FNB’s Business Rules.• The Terms and Conditions for Products supplied by FNB, which may be amended from time to time,are available on the website www.fnb.co.za.• For general enquiries on Products supplied by FNB, please contact087 736 7270.• Any reference to FNB shall be construed to include Rand Merchant Bank (RMB).• First National Bank is a Division of First Rand Bank Limited, an Authorised Financial Services andCredit Provider (NCRCP20).• Rand Merchant Bank is a Division of First Rand Bank Limited, an Authorised Financial Services andCredit Provider (NCRCP20).2. Who qualifies to apply for products supplied FNB?• To qualify for a Product supplied by FNB over 24 months at a discount, you must meet all of thefollowing conditions:• You must have a qualifying FNB or RMB Private Bank Account.• Qualifying FNB Account holders must have the Unlimited Pricing Option, Fee Saver, Pay As you Use.• Qualifying FNB Accounts include the following:• FNB and RMB Cheque Accounts which include the Smart Cheque Account, FNB Gold ChequeAccount, FNB Platinum Cheque Account, FNB Staff Cheque Account, FNB Graphite ChequeAccount, FNB Wealth, FNB One Account, FNB Islamic Cheque Account, FNB Encore ChequeAccount, FNB Private Clients Account and the RMB Private Bank Account.For further details in this regard, go to www.fnb.co.za

3 4• Your income / salary must be deposited into your qualifying FNB Account every month, while thisagreement is in place (24 months) until you have paid your last installment.• Your qualifying FNB Account must have the required balance while this agreement is in place.• You must ensure that your salary / income deposit and debit order deductions go off your qualifyingFNB Account. Before FNB will process your order, you must ask FNB to switch all your debit orders.Once your salary / income deposit and debit order switching has been confirmed by FNB, you willimmediately qualify to apply for a Product supplied by FNB. If you want to switch your own salary /income deposit and debit orders; a two (calendar) month waiting period will apply before you canapply for a Product supplied by FNB. During this waiting period, FNB will also monitor if there havebeen adequate deposits (salary / income), and that debit order switching has been completed.• Your FNB and First Rand Bank (FRB) Accounts must be in good standing. This means that noneof your FNB or FRB Accounts and credit agreements are overdrawn, or in arrears, or in default, orsubject to any legal process with FNB or FRB.• Legal process means any legal proceedings in any court of law involving you and FNB RMB PrivateBank or FirstRand Bank, including but not limited to collections, liquidation and sequestrationproceedings.• You hereby request and authorize ‘Payment & Collections Service’ (PACS) to draw against yourFirst National Bank account the payment of the monthly debit due in respect of the Productsupplied by FNB and you agree to pay any bank charges relating to this debit order instruction.• You must have consented to FNB making enquiries at the Credit Bureau(s) about your creditworthiness.• You must register for FNB or RMB Online Banking, Email statements and the FNB or RMB Private BankBanking App.• You can only apply for the specified Product on offer supplied by FNB, subject to stock availability.Whilst we strive to deliver timeously, there may be unforeseen circumstances beyond our control,which may cause delays in delivery.• You may qualify for up to four Products supplied by FNB, per customer. We reserve the right to limitthe quantities of specified Products supplied by FNB as advertised, from time to time.• We reserve the right to withdraw any advertised offer. Should we withdraw any advertised offer, wewill publish such withdrawal on www.fnb.co.za• If you have previously applied for the maximum number of Products supplied by FNB, and havesettled those contracts, you become eligible to apply for other available Products on offer from FNBsubject to meeting the Terms and Conditions outlined in this document.• You provide consent to FNB to share your personal information Third Parties, which may includeCouriers for delivery of your Products purchased through FNB, or the Telecommunication ServiceProviders for the provision of Telecommunication Services.• You must be a South African citizen or a foreign national.• If you are a foreign national, you are required to submit valid documentation at the time of yourapplication for a Product supplied by FNB. This documentation must not expire for the duration ofthe contract term i.e. for 24 months from date of purchase.• This documentation needs to be sent to smartdeviceadmin@fnb.co.za• The following documentation is required.- Work permit and Employment contract- Copy of passport- Proof of income• Should your application for a Product supplied by FNB be unsuccessful, FNB may reassess yourapplication, which may include an additional credit bureau check, and where applicable, makealternative offers on available Products supplied by FNB.• When applying for a TV (s) the following will apply to you:• You must have a valid and up to date SABC TV license. FNB will not issue SABC TV licenses if you donot have one. If you purchase a TV and do not have a valid SABC TV license, we will not deliver your TVto you until you can provide proof of a valid SABC TV license in your or your spouse’s name. You have5 working days from the date of sale to provide proof of your valid SABC TV license.

5 6• Should you not provide a valid and up-to-date SABC TV license within 5 days of sale; your order willbe cancelled.3. Special offers relating to the FNB Fluid Account:From time to time, we may present special offers on the FNB Fluid Account. To qualify, customers must linktheir qualifying FNB Cheque Account to an FNB Fluid account.4. FNB owns the product supplied by FNB until you have paid for it. While itis in your possession, you alone carry the risk if the product supplied byFNB is lost, damaged or stolen. It is your responsibility to ensure that theproduct supplied by FNB is insured.You will only become the owner of the Product supplied by FNB, once you have paid all the installmentamounts to FNB. If the Product supplied by FNB is lost or stolen, you must immediately report this to thepolice. You will still be responsible to pay FNB for the Product supplied by FNB even if it is lost, stolen or ifit is damaged. For this reason, FNB recommends that you insure the Product supplied by FNB against loss,damage and theft. You alone will carry the risk if the Product supplied by FNB is lost, damaged or stolen,once it is delivered to you. For your convenience, FNB offers Insurance on selected Products suppliedby FNB only. For more information call 087 736 7270. You must make sure that your customer details(contact details) are up to date.5. Rules pertaining to accessories• FNB does not provide insurance for accessories and Telecommunication sim cards.• FNB reserves the right to offer or withdraw offers on accessories.• Accessories will be provided subject to availability of stock.6. How and when you must pay for the product supplied by FNB?• You must have funds available in your qualifying FNB Account on an agreed date over the 24 monthperiod, to pay for the Product supplied by FNB.• Depending on the date in the month when you have applied for an available Product on offer fromFNB, will determine whether you are billed for the Product supplied by FNB in the same month, or thefollowing month.• You will be billed at least one month in arrears from the time that your Product supplied by FNB hasbeen delivered to you. Should you have insufficient funds in your qualifying FNB Account to allow fora successful debit order, we reserve the right to debit your FNB Account until the arrears amount hasbeen settled.• Where you have applied for a Telecommunication Services Contract bundled with another Productsupplied by FNB, you may be billed separately i.e. the debit order for the Product supplied by FNB maybe debited separately from the debit order for the Telecommunications Contract. The total amountmay be combined when advertised at the time of application, but may reflect as separate charges onyour FNB Bank Statement.• We will charge you a courier delivery fee upon the successful delivery for the Products supplied byFNB, which you applied for, as follows:• R150.00 for your Smart Devices, Gaming Consoles and Telecommunication sim cards• R300.00 for your Appliances (Televisions, Microwaves, Washing Machines, DVD Players andHome Entertainment Theatres)Should you apply for multiple Products available on offer from FNB on the same day, through the samesales channel, we may initially charge one delivery fee per Product. If charged multiple delivery fees forthe same order, we will reverse each Product delivery fee and only charge you a single delivery fee for themultiple Products taken up on the same day, from the same channel.Should you apply for multiple Products available on offer from FNB on different days, and / or throughdifferent sales channels, you will receive separate deliveries with corresponding courier delivery charges.This means that you will incur a courier delivery charge per Product delivered.

9 10• If your salary / income is not be paid into the qualifying FNB Account• If you fail to meet any other Qualifying Criteria• If your qualifying FNB Account debits exceed your available balance for a period longer than 30 daysfrom the date of the last deposit made into the qualifying FNB Account• If you default on payments while you are under Debt ReviewYou will become legally responsible to pay the FNB Retail Value of the Products supplied by FNB, which willbe calculated as follows:• The recommended Retail Price of the Products supplied by FNB, at the time you applied for theProducts supplied by FNB, less the total amount you paid for the Products supplied by FNB, until thedate of your first default event.• If you do not pay the FNB Retail Value of the Products supplied by FNB when required, FNB will takelegal action against you. FNB reserves the right to charge you default administration charges, legalfees on an attorney and client scale and collection costs. Interest will apply for the Products suppliedby FNB at the Recommended Retail Price at a rate of 2% per month.• the amount you are still owe FNB up to the date of cancellation• the value of the transaction up to cancellation• the value of the goods which will remain in your possession after cancellation (if applicable)• the value of the goods that are returned to FNB (if applicable)• the duration of the consumer agreement as initially agreed• losses suffered by or benefits accrued to you as a result of you entering into the agreement(Discounted Price of the Products supplied by FNB may be taken into account)• the nature of the goods or services• the length of notice of cancellation provided by you• the reasonable potential for FNB, acting diligently, to find an alternative consumer• the general practice of the relevant industryPlease refer to the table below for illustrative examples of how the Smart product early penalty fee may becalculated.8. Early cancellationA cooling off period of (7) calendar days will apply from the date you enter into this agreement or takedelivery of the Products supplied by FNB.If you return a Product supplied by FNB in a damaged state, FNB can charge you for the required repair,or the extent to which the Products supplied by FNB has lost its value, as per the table below. Additionally,FNB has the right to charge you for the courier collection fee, and if applicable a courier return / deliveryfee.EarlyCancellationPenalty fee(% of Retailamount)Courier Collection, Return/Delivery Fee0% R150 - Smart Device orGaming ConsoleR300 - TV, Appliances andEntertainment BundlesY/NDeviceConditionIndicatorNameY A New:UnopenedDescriptionThe smart device, gamingconsole or TV is still in the originalpackaging.If you wish, you can cancel this agreement after the (7) day cooling off period, however, you will becomelegally responsible to pay FNB an early cancellation penalty for the Products supplied by FNB and / or theTelecommunication Services Contract (if applicable), which will be calculated by FNB taking the followinginto account:20% R150 - Smart Device orGaming ConsoleR300 - TV, Appliances andEntertainment BundleY B New:OpenedThe smart device gaming consoleor TV is unpackaged/opened butnot used

11 12EarlyCancellationPenalty fee(% of Retailamount)Courier Collection, Return/Delivery Fee40% R150 - Smart Device orGaming ConsoleR300 - TV, Appliances andEntertainment BundleY/NDeviceConditionIndicatorNameY C Used:FlawlessDescriptionThe smart device gaming consoleor TV has been used but inexcellent condition9. Set offIf you don’t have funds available in your qualifying FNB Account to pay your monthly smart device orgaming console installment, FNB can exercise its right to apply set-off on any of your other accountswith FNB. This excludes your qualifying FNB Cheque Account, in the event that it is linked to your FNBoverdraft Facility. FNB will inform you via SMS in advance, and further once set-off is done on any of yourFNB accounts. The amount set-off will be shown in the balance of your smart device or gaming consoleaccount.60% R150 - Smart Device orGaming ConsoleR300 - TV, Appliances andEntertainment BundleY D Used:PartialDamageRepairable with minimum cost.Used with partial damage (screenscratched etc), or items aremissing (which include, but are notlimited to the original packaging).10. What happens if you don’t meet your obligations under this agreement(default)80% R150 - Smart Device orGaming ConsoleR300 - TV, Appliances andEntertainment BundleY E Used:SignificantDamageRepairable with significant costsThen without limiting FNB’s rights, FNB may by giving written notice to you, cancel this contract, and /or demand that you perform all your duties to it under this agreement. If you default, FNB may do thefollowing:• Charge you 2% per month interest under Section 5 of the National Credit Act (“NCA”).100% R150 - Smart Device orGaming ConsoleR300 - TV, Appliances andEntertainment BundleY F Used:Fully IrrecoverableFully Irrecoverable• Charge you default administration charges. Default administration charges will be equal to theamount payable for a registered letter of demand in undefended actions under the Magistrates CourtAct 1944. Default administration charges are payable for each letter FNB sends you under Part C ofChapter 6 of the “NCA”.In addition to the above, FNB can charge you for the following:• The necessary restoration costs to make the Products supplied by FNB fit for re-stocking,and / or resale.• For the use of the goods during the time they were in your possession.• For delivery, and collections costsWhere a Telecommunication Services Contract has been applied for, an early cancellation penaltymay apply.• Charge you collection costs. Collection costs will not exceed the amount it costs FNB to collect thedebt to the extent limited by Part C of Chapter 6 of the NCA and under the following legislation:• The Magistrates’ Courts Act 1944• The Attorneys’ Act 1979• The Debt Collectors’ Act 1998• The Supreme Court Act 1959

13 1411. Defective products supplied by FNBIf the Products supplied by FNB are defective while it is still under the manufacturer’s warranty, youmust notify our Device Guru call centre on 0861 888 674. You will be advised of the procedure for theassessment and repairs. If the defect relates to a Manufacturers fault, repairs to the Products suppliedby FNB will be covered under the Manufacturer’s warranty. The Manufacturer’s warranty is only validfor a period of one year or stated otherwise from date of receipt of the Products supplied by FNB. If thedefect is found to be caused by user negligence (water damage, being dropped, misused, etc.), this will becommunicated to you by the Manufacturer and the cost of repairs will be for your account.12. Limitation of liabilityFNB will not be legally responsible to you or any other person for any loss or damage suffered (whetherdirect or indirect) if:• FNB cannot supply and / or deliver any available Product on offer, either on the required date, or at all,due to unexpected stock constraints experienced by the relevant supplier• FNB is not the supplier of the Telecommunication Network Services, thus FNB cannot be held liableby you or any other person for any loss or damage suffered due to the fact that the Network Servicesare interrupted, suspended or cancelled, for whatever reason, having the effect of limited use ofProducts supplied by FNB13. Dispute resolutionIf a dispute between you and FNB arises you can send a complaint to care@fnb.co.za, or call087 736 7270. FNB will respond to you in writing. If your dispute is not resolved you can lodge a disputewith the Ombudsman for Banking Services at telephone number (011) 712 1800, or www.obssa.co.za.You can also refer the matter to the National Consumer Commission with contact details: 086 026 6786or www.nccsa.org.zaOr the National Consumer Tribunal with contact details: 012 683 8140 or www.thenct.org.zaIf you default under this agreement and the agreement becomes an Incidental Credit Agreement, you refera complaint to the National Credit Regulator or Credit Ombudsman.14. Pre- Ordered Products• Pre-ordered Product/s advertised by FNB will only be available while stocks last, subject to stockavailability.• FNB will distribute the Pre-ordered Product/s within ten (10) to fifteen (15) business days, from thedate in which the Pre-ordered Product has been made available, as stipulated by FNB.• The delivery charges as set in paragraph 6 above will be applicable.• If you order a Pre-ordered Product and any other Product supplied by FNB, delivery will only take placewhen both Products are available for delivery by FNB. You will only be liable for one delivery charge ifyou receive the other Product supplied by FNB, together with the Pre-ordered Product, as one order.• In the event you select the Pre-ordered Product and the other Product/s supplied by FNB to bedelivered separately, you must place two separate orders. The delivery charges as set in paragraph 6above will be applicable, per delivery.15. General• The laws of the Republic of South Africa govern this agreement.• While FNB may give you extra time to comply with your duties to us under this agreement or decidenot to exercise some or all of our rights against you, you must not assume that this means that ouragreement with you has been changed, or that it no longer applies to you, or that FNB has waived(given up) all or some of its rights. FNB can still insist that you comply with your duties to it, or enforceany of its rights against you at a later stage.• Every clause in this agreement is severable from the other clauses in this agreement. This means that

15 16even if a court finds that one or more clauses are invalid the rest of the clauses will still apply.• These Terms and Conditions constitute the whole agreement between you and FNB about theProducts supplied by FNB.• If FNB needs to take legal action against you, one of our employees (who need not prove his /her appointment), will produce a certificate to the court, recording the amount you owe us. If youdisagree with this certificate, you will have to prove that it is incorrect.16. Terms and conditions for FNB vodacom telecommunication contractssupplied by FNB• The FNB Vodacom Telecommunication Contract offers are made available to new qualifying FNBCheque Account holders and existing qualifying FNB Cheque Account holders.• Debit Order Switching for new FNB customers must be processed through FNB.• The debit order for FNB Vodacom Telecommunication Service Contracts will be processed on the25th of every month.• You hereby request and authorize ‘Payment & Collections Service’ (PACS) to draw against yourFirst National Bank account the payment of the monthly debit due in respect of the FNB VodacomTelecommunication Services Contract supplied by FNB and you agree to pay any bank chargesrelating to this debit order instruction.• You hereby authorise the Bank to issue and deliver payment instructions for collection againstyour qualifying FNB account, for payment of the product supplied though FNB on condition thatthe sum of such payment instructions will never exceed your total amount due. In the event thatthe payment day falls on a Sunday or recognised South African public holiday, the payment day willautomatically be the very next ordinary business day. This mandate may be cancelled by you or us,however, such cancellation will not cancel your obligation to pay us. If there are insufficient funds inyour qualifying FNB account, you authorise FNB to continue to attempt to collect payment from yourqualifying FNB account and re-present the instruction for payment as soon as sufficient funds areavailable in your qualifying FNB account.• Where you have applied for a Telecommunication Services Contract bundled with another Productsupplied by FNB, you may be billed separately i.e. the debit order for the Product supplied by FNB maybe debited separately from the debit order for the Telecommunications Contract. The total amountmay be combined when advertised at the time of application, but may reflect as separate charges onyour FNB Bank Statement.• You must pay your monthly salary or income into the qualifying FNB Account, and meet the minimumincome requirements for the qualifying FNB Account each month, for the duration of the 24 monthagreement period.• You provide consent to FNB to conduct a credit check.• Should you have insufficient funds in your qualifying FNB Account to allow for a successful debitorder, FNB will follow the current default process outlined in 10 above.• Should you default on payment or breach any of the Products Supplied through FNB Terms andConditions and/or the qualifying FNB Account Terms and Conditions, FNB reserves the right tosuspend the FNB Vodacom Telecommunication Services in the first months of default. Should you failto rectify the default in the second month, FNB reserves the right to follow the default process under10 above. . Should you wish to cancel the FNB Vodacom Telecommunication Services Contract, priorto the 24 month agreement period, we may impose a reasonable penalty fee as outline in 8 above.• Should you wish to settle your FNB Vodacom Telecommunication Services Contract, prior to the24 month agreement period, you will be liable for the full settlement value of the FNB VodacomTelecommunication Services Contract, and will forfeit the data and voice services.• You may apply for multiple FNB Vodacom Telecommunication Service Contracts, subject to youmeeting the qualifying criteria.• FNB offers you the following Vodacom Contracts, which may include, but are not limited to:• the FNB Vodacom MyGig top up Contract/Top Up data• the UChoose Smart (S, M, L,XL)• The UChoose Flexi

17 18• Vodacom offers brought to you by FNB may be available for a limited time period only.• Vodacom voice, data and sms Rates are subject to change. FNB will not be liable for any additionalcost to recharge your Vodacom account.• All Vodacom Telecommunications Contract offers are subject to availability of the stock, andtermination of offers will be published on www.fnb.co.za.• You will not be allowed to port your number from another Mobile Network Operator.• All Vodacom sim cards must be registered for RICA before activation. You are required to present yourvalid RSA Identity Document or valid Passport, and proof of residence not older than 3 months. If youreside in an informal settlement, provide an Affidavit confirming your residence or a letter from yourlocal school, church or retail outlet where you currently receive your post.• You may be charged for the volume of data sent and received, not the time spent connected, unlessotherwise stated. Transfer speed is not guaranteed and is dependent on network availability as wellas device capability. A compatible device is required to use LTE, 3G and HSDPA Services.• All Contract, Once-off and recurring standard bundles Data, unless otherwise stipulated, is availablefor use until the last day of the month after purchase or allocation. Promotional data is available for30 days from the date of purchase. Once you have used your bundles, the out-of-bundle date rateprevailing on your current Price Plan will be applied to your data usage. Bundles and Price Plans asadvertised may only apply to standard consumer APN’s.• Prepaid, Top-Up and UChoose customers: It is your responsibility to ensure that the balance in yourVodacom airtime account is sufficient for any downloads or other activity. You may not be refundedif you attempt to download any items and then run out of funds during this download, causing thesession to be terminated. Prepaid, Top Up and UChoose Flexi customers must have a minimumVodacom airtime balance of R2.00 to initiate a session.• Vodacom UChoose Smart and Flexi Anytime minutes are available for calls to SA Networks any time.Calls will be billed per second. Inclusive minutes may not be used for International numbers; premiumrated IVR Services, short codes or calls while roaming. Included SMS may only be used for SMS tonational SA Networks. Out-of-bundle rates applicable to the Price Plan will be applied once you haveused the bundle monthly allocation included in the Price Plan. Monthly Vodacom airtime allocationon the UChoose Flexi packages cannot be used for the purchase of premium rated content andVAS Services. UChoose customers have access to certain VAS offers and services, which Vodacomreserves the right to discontinue.• SMS/MMS charged in accordance with your prevailing Price Plan. SMS/MMS bundles are available foruse for 30 days from the date of purchase / allocation, and may be used only for sending messagesto SA networks. International destinations, roaming SMS/MMS services, premium services (SA andInternational) will be charged for according to the prevailing out-of-bundle rate for SMS/MMS onyour current Price plan.• For Smart Price Plans (excluding Smart Light), Vodacom Anytime minutes are available for calls toSA networks, anytime. Calls billed per second. Vodacom Anytime minutes may not be used for callsto international numbers. Premium rated IVR services short codes and calls while roaming will becharged at the applicable rates prevailing on the Price plan. SMS included in the Price plan may onlybe used for SMS to SA networks. Other SMS will be charged at rates applicable to your Price plan.Out-of-bundle rates applicable to the Price plan will be applied once you have used the bundle(Minutes, SMS and/or Data, where applicable) included in the Price plan. Vodacom Anytime minutes,SMS and Data (MB) included in the Price plan will be available for use for a maximum of 1 month afterthe month it was allocated. Full terms and conditions herein are available on www.vodacom.co.za/smartterms or www.vodacom.mobi/smartterms• The following rules apply to the FNB Vodacom MyGig top up agreement period:• Should you wish to arrange for your own debit order switching, you may not be entitled to themonthly FNB Vodacom MyGig top up data.• If your qualifying FNB accounts are not in good standing and/or the FNB qualifying ChequeAccount rules are not met in a particular month, you will lose the FNB Vodacom MyGig top up datafor that month.• Should you default or breach any of the Products Supplied through FNB Terms and Conditionsand/or the qualifying FNB Cheque Account terms and conditions, FNB reserves the right toterminate the FNB Vodacom MyGig top up contract.• Should you default on your qualifying FNB Cheque Account, FNB will not provide you with the freeFNB Vodacom MyGig top up data allocation for that month.

19 20• Should you not use the full FNB Vodacom MyGig top up data allocation within the month, it willcarry over and will expire at the end of 90 days from the first month earned.• Should you exceed the monthly FNB Vodacom MyGig top up data allocation within the month, it isyour responsibility to recharge your Vodacom account at your own expense.• FNB will only provide the monthly FNB Vodacom MyGig top up data if all the above rules are met.• You will be provided with a compatible FNB Vodacom MyGig top up sim card with the selectedProduct offered by FNB.• Activation of your FNB Vodacom MyGig top up sim card will occur within 3 business days upondelivery to you.• You will not be charged a sim card activation cost.• Your FNB Vodacom MyGig top up contract will topped up on the first of every month with the dataapplicable to the selected offer only.For further information, please refer to the Vodacom terms and conditions at www.vodacom.co.za17. Terms and conditions for FNB Cell C telecommunication contractssupplied by FNBThese terms and conditions, together with the Cell C Service Provider Company (Pty) Limited SubscriberAgreement Terms and Conditions (the Cell C SP Agreement), which is available on the Cell C website (www.cellc.co.za/terms-and-conditions) will apply to you if you are using a Cell C sim card (“SIM Card”)for data services (“Services”) . It is important that you click on this link and read the Cell C SP SubscriberAgreement before you continue with your – use of the sim card and Services. If you continue with the use,you agree that you have read and understood and agree to be bound by the Cell C SP Agreement. A copy ofthe Cell C SP Terms and Conditions will also be delivered to you.ActivationThe sim card and Services will be activated once Cell C have received confirmation that the sim card hasbeen delivered to you and that the provisions of the Regulation of Interception of Communications andProvisions of Communication-Regulated Information Act 70, 2002 as amended, have been complied with.If your sim card is not activated within 72 (Seventy two) hours, please contact us on 087 736 7270 forassistance.PaymentYou agree to pay a monthly subscription fee for the sim card, the services and all usage charges, includinginternational roaming charges and charges for additional services and value added services, incurredwhile using the sim card. It is your responsibility to ensure that you have sufficient funds to pay any andall amounts owing to Cell C Service Provider and that you have given us your correct banking details. Ifthe debit order fails for any reason, we have the right to subsequently use any legal means available to us(including early debit order facilities) to recover any and all amounts owing to us.Safekeeping of the sim cardYou are responsible for the safekeeping of your sim card and you agree to notify us and the policeimmediately if your sim card has been lost or stolen. The Cell C SP Agreement will not come to an end ifyour sim card is lost, stolen or damaged. You must continue to pay all charges until the Cell C SP Agreementhas been terminated.What happens if you do not comply with the Cell C SP AgreementIf you do not comply with the Cell C SP Agreement and/or if you do not pay all the amounts due to Cell C SPon or before the due date for payment then, we will deliver a notice to you and may:• charge interest on the overdue amount at the interest rate notified to you and calculated from thedue date of payment to the date of actual payment to us• inform any credit bureau of your payment default• suspend the Services• cancel the Cell C SP Agreement• charge you for use of the Services up to the date of cancellation; and/or• claim damages from you that we may suffer due to your breachLimitation of LiabilityAlthough we take all reasonable measures to ensure that the Services are offered to you on a consistent

21 22and continuous basis, we cannot always guarantee a continuous fault free service. Neither Cell C SP norCell C (Pty) Limited (‘Cell C’) will be liable to you for any liability, loss(es) and/or damage and/or cost orexpense whether direct, indirect and/or of a consequential nature including any loss of income and/or lossof Profit and/or loss of anticipated savings suffered by you due to:• any reasonable suspension, termination or temporary unavailability of the electronic communicationsnetwork operated by Cell C, or any of the Services, or any unavoidable delay in the performance of theServices;• any change in your number if we are obliged to do so in terms of law, or if you or your authorizedrepresentative requests us to change your number;• or the porting of the number given to you by us at your request, or a request made on your behalf oras a result of any delays in effecting such port.Mobile Number PortabilityThe Services (including voicemail messages and data), any third party services and any service creditsprovided to you by the other electronic communications network provider or electronic communicationsservice provider are not transferable to us if you port your number(s) to us and you will only haveaccess to the Services as provided for and defined in the Cell C SP Agreement. You have to pay alloutstanding amounts due to the other electronic communications network provider or other electroniccommunications service provider. You remain liable to pay all amounts due to us in the event thatyou want to port your number to another electronic communications network provider or electronicCommunications service provider.Monthly Usage LimitAn automated monthly usage limit, which will depend on the monthly subscription fee that you haveagreed to pay (‘Monthly Usage Limit’), will apply to the Services. The Monthly Usage Limit can be decreasedor increased at your request (Please contact Cell C). We cannot guarantee to implement the MonthlyUsage Limit and you remain responsible to pay for all charges spent on your SIM Card over and above theMonthly Usage Limit regardless whether or not we implement the Monthly Usage Limit. The Monthly UsageLimit cannot be applied when you are using your SIM Card outside the borders of South Africa (also called‘international roaming’) as we may not receive information relating to international roaming charges duringthe period that international roaming is activated in a timely manner. We advise that you do not use datawhile you are roaming outside the boarders of South Africa unless you are aware of the necessary datacharges. You will remain liable for all international roaming charges, which include charges for all calls madeand received, SMS sent and received, as well as data used.• FNB will not provide the option for number porting on the Cell C Telecommunication sim cards.• You hereby request and authorize ‘Payment & Collections Service’ (PACS) to draw against yourFirst National Bank account the payment of the monthly debit due in respect of the FNB Cell CTelecommunication Services Contract supplied by FNB and you agree to pay any bank chargesrelating to this debit order instruction.• You will only be issued one free CellC Reward sim card, pre-loaded with a once off data allocationto the value of 35MB per customer, irrespective of how many Products supplied by FNB have beenapplied for and received. This sim card may be used for voice or data services. Please note that theCellC Reward sim card is not capable of being ported.• Please refer to www.ebucks.co.za for further details relating to your FNB Rewards Level.• For further information on Cell C’s terms and conditions, kindly refer to www.cellc.co.za/termsand-conditions.The content below reflects the Terms and Conditions which are applicable if taking out Insurance throughFNB, for Products supplied by FNB. Please note that appliances (including but not limited to televisions,microwaves, washing machines, DVD players and home entertainment theatres) will not be covered by theinsurance provided by FNB.Insurance terms and conditionsProducts supplied by FNBKindly be advised that the below terms and conditions must be read in conjunction with FNB’s DeviceInsurance policy wording as well as Policy Schedule.

23 24For this Section:1. Where the words you / your / yours / yourself are used this includes members of your family normallyresident with your specified property described in the specified article schedule.2. Where the words we / us / our, are used this means FNB Value Banking Solutions.Debit Order Authorization:You hereby request and authorize ‘Payment & Collections Service’ (PACS) to draw against your FirstNational Bank account the payment of the monthly debit due in respect of the Product supplied by FNBinsurance policy and you agree to pay any bank charges relating to this debit order instruction.Please note that there will be a separate debit order for the Product supplied by FNB and for the Insuranceon the Product supplied by FNB, and the Insurance will be debited separately from the monthly loaninstallment for the Product supplied by FNB.The Insurance debit order default date is the 26th monthly. Should you wish to change this date, pleasecontact 087 736 7270 for assistance.Interest of FNB:FNB notes an interest in the insured property. You agree that the Insurance Company will first pay FNB tothe extent of FNB’s interest in the property, namely the amount which is owing to FNB or the amount notedin the policy schedule, whichever is the lesser amount.Insured Events:All events causing loss of or damage to the insured property are considered covered in terms of thisInsurance, unless specifically excluded in FNB’s smart device or gaming equipment device Insurance PolicyWording and / or Policy Schedule.Cover Provided:We will cover only property specifically insured at an additional premium subject to the extensions,limitations and warranties that apply. This means that the property must be described in the policyschedule. If it is not described in the policy schedule, it will not be eligible for insurance cover.1. Mobile communication devices and accessories1.1 We will indemnify you for theft, accidental loss of, or accidental physical damage of mobilecommunication devices1.2 We will indemnify you for mobile communication device Accessories as stated to be included inthe Schedule at an additional premium. Subject always to the limit of indemnity stated in this PolicySchedule2. Computing equipment devices, accessories & software2.1 We will indemnify you for theft, accidental loss of, or accidental physical damage to computingequipment devices2.2 We will indemnify you for computing equipment devices Accessories as stated to be included inthe Schedule at an additional premium2.3 We will indemnify you for Proprietary Software as stated to be included in the Schedule at anadditional premium Subject always to the limit of indemnity stated in this Policy Schedule3. Gaming equipment devices3.1 We will indemnify you for theft, accidental loss of, or accidental physical damage to gamingequipment devices including standard issued remotes3.2 We will indemnify you for gaming equipment devices, including standard issued remotes, asstated to be included in the Schedule at an additional premium. Subject always to the limit ofindemnity stated in this Policy ScheduleExclusionsThe following items are re not covered:

25 261. Television, Television Bundles, Appliances and devices that insurance is not provided for.2. Theft from any vehicle which is left unattended and where Specified Property was not in the lockedluggage compartment or locked concealed interior forming part of a locked vehicle. Entry must bevisible, forcible or violent.2.1 In the case of 4x4, 4x2 and Light delivery vehicles the Specified Property must be concealed asfar as possible and entry must be visible, forcible or violent.2.2 The use of car lock “jamming” devices, that prevents your vehicle from locking, will notconstitute visible, forcible or violent entry.3. Anything covered by any guarantee, manufacturer’s warranty, service contract, purchase contract orany purchase agreement / lease agreement of any type.4. Property, whether it will be processed or not, obtained with the purpose to dispose of it in a businesstransaction.5. Depreciation.6. Maintenance, gradual deterioration of any nature, wear and tear, decay or any damage / loss causedby any gradually operating origins, development of poor contacts and scratching of surfaces.7. The costs of any alteration, addition, improvement or overhaul carried out at the time of repair.8. Loss or damage caused by:• household pets• inherent vice or defect, vermin, insects, ants, termites, rodents, moths, mildew, damp corrosion,oxidation or rust• upgrading, cleaning, repairing or restoring• mechanical, electrical or electronic breakdown• the action of light or atmospheric conditions• the accidental erasure caused by programme errors, viruses, Trojans, worms or other destructivemedia, incorrect entry or the inadvertent cancellation or corruption of data or the special value whichany article may have as part of a set9. The cost of reproducing sounds, data and images on tapes, records, memory cards, films or magneticmedia.10. Loss of use or other consequential loss, damage or liability of any nature whatsoever other thanspecifically provided for herein.• Costs/fees incurred as a result of any courier delivery and / or collection services.• Gross negligence. Parts having a short life such as (but not limited to) bulbs, fuses or sacrificial buffercircuits.• If such parts are damaged as a result of damage to other parts we will indemnify you for the residualvalue of these parts.11. Any loss of or damage caused by, or through or in connection with the use of any software or aftermarket down loadable applications that causes interference /corruption of data / loss / damage tothe insured device.12. Software / operating system malfunctioning.13. Software and Accessories unless specifically insured by this policy at an additional premium excludingthe splitting of cases, covers and skins.14. SIM cards.15. Game Disc’s (CD’s / DVD’s).16. The First Amount Payable/Excess as specified in the schedule:

27 28The following excess amounts are payable by you:• Basic Theft or Accidental Loss of Device -10% of the gross claim with a minimum of R500• Basic Accidental Damage Claims - R500 per event• Please note that an excess amount of R1,500 will be applied in addition to the basic excesses, asstated above, in the event that your device has not been insured for a period longer than 6 (six)months• If a claim is submitted within 12 months from the date of the last claim there will be an additionalexcess of R450 payable per event in addition to the basic excesses as stated aboveSpecial Clauses, Conditions and Warranties:1. Basis of settlement:We may pay-out, repair, or replace your device. In the event of pay-out, this will be calculated at the currentreplacement cost.If at the time of theft or accidental loss or damage, the cost of replacing the insured property is greaterthan the sum insured, you will be your own insurer for the difference and will bear a ratable proportion ofthe loss or damage. Settlement is subject to any limitations or first amount payable.2. Reinstatement of specified items:If any item stipulated in the schedule is subject to a total loss, the lost or damaged item will be deleted fromthe schedule.Should you receive a replacement item, the onus is upon you to provide us with the details of thereplacement item for insurance.3. Availability of Stock:If any item stipulated in the Policy Schedule has been discontinued, or we don’t have stock, The InsuranceCompany will pay us the outstanding settlement amount for your device, or the amount shown in theschedule whichever the lesser amount is. You will however remain responsible for any shortfall amountowing to us that was not paid by the Insurance Company.Contact details:18. Errors And OmissionsTelephone Email FaxSALES 0861 000 804 FNBsales@insdevice.co.za 0865 827 232ADMIN 0861 000 804 FNBadmin@insdevice.co.za 0865 827 133CLAIMS 0861 000 804 FNBclaim@insdevice.co.za 0865 827 135FNB reserves the right in its absolute discretion to alter, modify, upgrade, update, suspend or withdrawthese Terms and Conditions, any advertisements, any advice or information provided by our call centers,or branches or other vendors of FNB products. FNB shall not be held responsible for any errors ordiscrepancies in the information provided. We strive to keep our information provided up to date and it is toour best knowledge and that of our supplier’s knowledge, that the information contained herein is correct,but we will not be held responsible if an error is found.

get expert support foryour FNB Smart Device.Our Service Centre is standingby to assist you Monday to Friday,8am to 5pm on:087 736 7270Option 1: FNB SalesOption 2: Settlement, insurance or account queriesOption 3: Device Gurus and technical assistanceOption 4: Speak to an agentFirst National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).