Interest Rate Reset FRC78 FRC79 FRC82 FRC95 FRC98 FRC110 FRC117 FirstRand Bank Limited (Incorporated in the Republic of South Africa) (Registration No. 1929/001225/06) Company code: BIFR1 (“FRB”) INTEREST RATE RESET ANNOUNCEMENT FRC78 12.185% p.a. (706bps over 3 month Jibar of 5.125%) for the period 18 December 2012 to 14 March 2013, payable on 15 March 2013 ( Modified Following*) Next reset: 15 March 2013 FRC79 10.575% p.a. (545bps over 3 month Jibar of 5.125%) for the period 18 December 2012 to 14 March 2013, payable on 15 March 2013 ( Modified Following*) Next reset: 15 March 2013 FRC82 10.775% p.a. (565bps over 3 month Jibar of 5.125%) for the period 18 December 2012 to 14 March 2013, payable on 15 March 2013 ( Modified Following*) Next reset: 15 March 2013 FRC95 9.775% p.a. (465bps over 3 month Jibar of 5.125%) for the period 18 December 2012 to 14 March 2013, payable on 15 March 2013 ( Modified Following*) Next reset: 15 March 2013 FRC98 10.285% p.a. (516bps over 3 month Jibar of 5.125%) for the period 18 December 2012 to 14 March 2013, payable on 15 March 2013 ( Modified Following*) Next reset: 15 March 2013 FRC110 9.555% p.a. (443bps over 3 month Jibar of 5.125%) for the period 18 December 2012 to 14 March 2013, payable on 15 March 2013 ( Modified Following*) Next reset: 15 March 2013 FRC117 9.405% p.a. (428bps over 3 month Jibar of 5.125%) for the period 18 December 2012 to 14 March 2013, payable on 15 March 2013 ( Modified Following*) Next reset: 15 March 2013 JIBAR rates as at 18 December 2012: 3 Month 5.125% *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. 19 December 2012 Debt Sponsor Rand Merchant Bank (A division of FirstRand Bank Limited) Date: 19/12/2012 03:30:00 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.