FRC343 FRS225 - Listing of New Financial Instruments FirstRand Bank Limited (Incorporated in the Republic of South Africa) (Registration number: 1929/001225/06) Issuer code: FRII LEI: ZAYQDKTCATIXF9OQY690 Bond code: FRC343 ISIN: ZAG000169533 Bond code: FRS225 ISIN: ZAG000169517 (FRB) LISTING OF NEW FINANCIAL INSTRUMENTS The JSE has granted FRB the listing of its FRS225 and FRC343 senior unsecured unsubordinated structured notes, in terms of its note programme (the programme) dated 29 November 2011, as amended from time to time, effective 14 July 2020 and 15 July 2020 respectively. Debt security code: FRS225 ISIN: ZAG000169517 Type of debt security: Bond linked instalment notes Nominal issued: ZAR 25 000 000.00 Issue date: 14 July 2020 Interest commencement date: 14 July 2020 Other: The pricing supplement contains additional terms and conditions to the terms and conditions as contained in the programme Summary of additional terms: Please refer to the early redemption, reference bond and hedging disruption provisions contained in the pricing supplement Debt security code: FRC343 ISIN: ZAG000169533 Type of debt security: Credit linked instalment notes Nominal issued: ZAR 180 000 000.00 Issue date: 15 July 2020 Interest commencement date: 15 July 2020 Other: The pricing supplement contains additional terms and conditions to the terms and conditions as contained in the programme Summary of additional terms: Please refer to the reference obligation early redemption event, early redemption and credit linked note provisions contained in the pricing supplement Issue price: 100% Coupon rate: 3 Month JIBAR plus 200 basis points Interest determination date(s): The first Business Day of each Interest Period First interest payment date: 21 September 2020 Interest payment date(s): 21 March, 21 June, 21 September and 21 December of each year until the Maturity Date Last day to register: By 17:00 on 16 March, 16 June, 16 September and 16 December of each year until the Maturity Date Books close: 17 March, 17 June, 17 September and 17 December of each year until the Maturity Date Business day convention: Modified Following Business Day Maturity date: 21 December 2027 Final maturity amount: As determined by the Calculation Agent in accordance with paragraph 46 of each of the pricing supplements Programme amount: ZAR 30 000 000 000.00 Total notes in issue under programme: ZAR 28 579 100 735.57 as at the signature date of the FRC343 pricing supplement Dealer: Rand Merchant Bank, a division of FirstRand Bank Limited 13 July 2020 Debt Sponsor RAND MERCHANT BANK (A division of FirstRand Bank Limited) Date: 13-07-2020 08:00:00 Produced by the JSE SENS Department. The SENS service is an information dissemination service administered by the JSE Limited ('JSE'). The JSE does not, whether expressly, tacitly or implicitly, represent, warrant or in any way guarantee the truth, accuracy or completeness of the information published on SENS. The JSE, their officers, employees and agents accept no liability for (or in respect of) any direct, indirect, incidental or consequential loss or damage of any kind or nature, howsoever arising, from the use of SENS or the use of, or reliance on, information disseminated through SENS.