Interest Rate Reset- FRJ14 & FRS56 FirstRand Bank Limited Incorporated in the Republic of South Africa) Registration No. 1929/001225/06) Company code: BIFR1 ISIN FRJ14 ZAG000069683 ISIN FRS56 ZAG000087271 (“FRB”) INTEREST RATE RESET ANNOUNCEMENT FRJ14 7.425% p.a. (2.20% over 3 month Jibar of 5.225% for the period 20 January 2014 to 21 April 2014, payable on 22 April 2014(Following*) Next reset: 22 April 2014 FRS56 7.305% p.a. (2.08% over 3 month Jibar of 5.225% for the period 20 January 2014 to 21 April 2014 payable on 20 April 2014(Following*) Next reset: 22 April 2014 JIBAR rate as at 20 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. 20 January 2014 Debt Sponsor Rand Merchant Bank (A division of FirstRand Bank Limited) Date: 20/01/2014 04:44:00 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.