Interest Rate Reset - FRJ14, FRJ16, FRC29 FirstRand Bank Limited (Incorporated in the Republic of South Africa) (Registration No. 1929/001225/06) Company code: BIFR1 (“FRB”) INTEREST RATE RESET ANNOUNCEMENT FRJ14 7.275% p.a. (220bps over 3 month Jibar of 5.075%) for the period 22 October 2012 to 20 January 2013, payable on 21 January 2013 (Following*) Next reset: 21 January 2013 FRJ16 6.825% p.a. (175bps over 3 month Jibar of 5.075%) for the period 22 October 2012 to 20 January 2013, payable on 21 January 2013 (Following*) Next reset: 21 January 2013 FRC29 .825% p.a. (175bps over 3 month Jibar of 5.075%) for the period 22 October 2012 to 21 January 2013, payable on 22 January 2013 (Modified Following*) Next reset: 22 January 2013 JIBAR rates as at 22 October 2012: 3 Month 5.075% *When the Interest Payment Date falls on a non business day one of the following Date Convention will be applied, as specified for each individual bond: 1. Following – This means that the interest will be paid on the first business day after the weekend or public holiday. 2. Modified Following – This means that the interest will be paid on the first business day after the weekend or public holiday. However, if the first business day after the weekend or public holiday falls in a new calendar month the last business day before the weekend / public holiday will be used instead. 3. Preceding – This means that the interest will be paid on the last business day before the weekend or public holiday. 24 October 2012 Debt Sponsor Rand Merchant Bank (A division of FirstRand Bank Limited) Date: 24/10/2012 09:20:00 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.