Interest Rate Reset- FRJ15, FRJ17&FRJ19 FirstRand Bank Limited (Incorporated in the Republic of South Africa) (Registration No. 1929/001225/06) Company code: BIFR1 FRJ15 ISIN: ZAG000094368 FRJ17 ISIN: ZAG000094343 FRJ19 ISIN: ZAG000104563 (“FRB”) INTEREST RATE RESET ANNOUNCEMENT FRJ15 6.225% p.a. (1.000% over 3 month Jibar of 5.225%) for the period 6 January 2014 to 3 April 2014, payable on 4 April 2014 (Modified Following*) Next reset: 4 April 2014 FRJ17 6.605% p.a. (1.380% over 3 month Jibar of 5.225%) for the period 3 April 2014 to 4 April 2014, payable on 6 January 2014 (Modified Following*) Next reset: 4 April 2014 FRJ19 6.375% p.a. (1.150% over 3 month Jibar of 5.225%) for the period 6 January 2014 to 3 April 2014, payable on 4 April 2014 (Modified Following*) Next reset: 4 April 2014 JIBAR rate as at 6 January 2014: 3 Month 5.225% *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. 6 January 2014 Debt Sponsor Rand Merchant Bank (A division of FirstRand Bank Limited) Date: 06/01/2014 12:00:00 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.