FRII - Interest Payment Notifications FirstRand Bank Limited (Incorporated in the Republic of South Africa) (Registration number: 1929/001225/06) Issuer code: FRII Bond Code: FRBI22 ISIN: ZAG000079666 Bond Code: FRC66 ISIN: ZAG000088485 Bond Code: FRC71 ISIN: ZAG000088923 Bond Code: FRC233 ISIN: ZAG000128752 Bond Code: FRC271 ISIN: ZAG000151556 Bond Code: FRC283 ISIN: ZAG000154394 Bond Code: FRS49 ISIN: ZAG000081787 Bond Code: FRS64 ISIN: ZAG000092529 Bond Code: FRS101 ISIN: ZAG000111774 Bond Code: FRS114 ISIN: ZAG000116070 Bond Code: FRS119 ISIN: ZAG000118951 Bond Code: FRS127 ISIN: ZAG000125394 Bond Code: FRS135 ISIN: ZAG000126608 Bond Code: FRS175 ISIN: ZAG000149451 Bond Code: FRS176 ISIN: ZAG000149444 Bond Code: FRX25 ISIN: ZAG000152828 Bond Code: FRX28 ISIN: ZAG000152836 (FRB) INTEREST PAYMENT NOTIFICATIONS Bondholders are advised that there will be no coupons paid on 28 January 2019 on the following notes as the EURIBOR rate is negative and below the strike rate: Bond code: FRS175 ISIN: ZAG000149451 Bond code: FRS176 ISIN: ZAG000149444 Bondholders are advised of the following interest payments due 28 January 2019: Bond code: FRX25 ISIN: ZAG000152828 Coupon: 9.75% Interest period: 26 July 2018 to 27 January 2019 Interest amount due: ZAR 32 321 250.00 Date Convention: Following Business Day Bond code: FRX28 ISIN: ZAG000152836 Coupon: 10.12% Interest period: 26 July 2018 to 27 January 2019 Interest amount due: ZAR 4 554 000.00 Date Convention: Following Business Day Bond code: FRC283 ISIN: ZAG000154394 Coupon: 11.467% Interest period: 26 October 2018 to 27 January 2019 Interest amount due: ZAR 1 476 572.60 Date Convention: Modified Following Business Day Bond code: FRS49 ISIN: ZAG000081787 Coupon: 8.717% Interest period: 29 October 2018 to 27 January 2019 Interest amount due: ZAR 2 021 149.89 Date Convention: Modified Following Business Day Bond code: FRS64 ISIN: ZAG000092529 Annualised interest rate: 2.00% Interest rate for the period: 1.00% Reference CPI: 109.3354839 Base CPI: 75.49856 Interest amount due: ZAR 1 448 179.8 Date Convention: Following Business Day Interest period: 26 July 2018 to 27 January 2019 Applicable formula: (Nominal Amount x CPI Adjustment x Interest Rate) / 2, all definitions used in this calculation as per the respective pricing supplements URL: https://www.firstrand.co.za/InvestorCentre/Pages/debt- programmes.aspx Payment date: 28 January 2019 Bondholders are advised of the following interest payment due 30 January 2019: Bond code: FRC271 ISIN: ZAG000151556 Coupon: 9.117% Interest period: 30 October 2018 to 29 January 2019 Interest amount due: ZAR 6 962 890.19 Payment date: 30 January 2019 Date Convention: Modified Following Business Day Bondholders are advised of the following interest payments due 31 January 2019: Bond code: FRBI22 ISIN: ZAG000079666 Annualised interest rate: 2.75% Interest rate for the period: 1.375% Reference CPI: 109.383871 Base CPI: 70.0528941124048 Interest amount due: ZAR 21 042 643.32 Date Convention: Following Business Day Bond code: FRC233 ISIN: ZAG000128752 Annualised interest rate: 2.75% Interest rate for the period: 1.375% Reference CPI: 109.38387 Base CPI: 70.05289411 Interest amount due: ZAR 4 293 978.70 Date Convention: Modified Following Business Day Bond code: FRC66 ISIN: ZAG000088485 Annualised interest rate: 2.75% Interest rate for the period: 1.375% Reference CPI: 109.383871 Base CPI: 70.05289411 Interest amount due: ZAR 593 642.61 Date Convention: Following Business Day Bond code: FRC71 ISIN: ZAG000088923 Annualised interest rate: 2.75% Interest rate for the period: 1.375% Reference CPI: 109.383871 Base CPI: 70.05289411 Interest amount due: ZAR 574 190.87 Date Convention: Modified Following Business Day Bond code: FRS101 ISIN: ZAG000111774 Annualised interest rate: 2.25% Interest rate for the period: 1.125% Reference CPI: 109.38387 Base CPI: 77.62806717 Interest amount due: ZAR 317 042.17 Date Convention: Following Business Day Bond code: FRS114 ISIN: ZAG000116070 Annualised interest rate: 2.00% Interest rate for the period: 1.00% Reference CPI: 109.38387 Base CPI: 77.62806717 Interest amount due: ZAR 211 361.45 Date Convention: Following Business Day Bond code: FRS119 ISIN: ZAG000118951 Annualised interest rate: 2.25% Interest rate for the period: 1.125% Reference CPI: 109.38387 Base CPI: 77.62806717 Interest amount due: ZAR 2 305 056.45 Date Convention: Following Business Day Bond code: FRS127 ISIN: ZAG000125394 Annualised interest rate: 2.25% Interest rate for the period: 1.125% Reference CPI: 109.38387 Base CPI: 77.62806717 Interest amount due: ZAR 396 302.71 Date Convention: Following Business Day Bond code: FRS135 ISIN: ZAG000126608 Annualised interest rate: 2.25% Interest rate for the period: 1.125% Reference CPI: 109.38387 Base CPI: 77.62806717 Interest amount due: ZAR 158 521.08 Date Convention: Following Business Day Interest period: 31 July 2018 to 30 January 2019 Payment date: 31 January 2019 Applicable formula: (Nominal Amount x CPI Adjustment x Interest Rate) / 2, all definitions used in this calculation as per the respective pricing supplements URL: https://www.firstrand.co.za/InvestorCentre/Pages/debt- programmes.aspx 23 January 2019 Debt Sponsor RAND MERCHANT BANK (A division of FirstRand Bank Limited) Date: 23/01/2019 03:21:00 Produced by the JSE SENS Department. 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