FRC318 and FRC319 - Listing of New Financial Instruments FirstRand Bank Limited (Incorporated in the Republic of South Africa) (Registration number: 1929/001225/06) Issuer code: FRII Bond code: FRC318 ISIN: ZAG000163684 Bond code: FRC319 ISIN: ZAG000163700 (FRB) LISTING OF NEW FINANCIAL INSTRUMENTS The JSE Limited has granted FirstRand Bank Limited the listing of its FRC318 and FRC319 senior unsecured unsubordinated credit-linked notes, in terms of its note programme (the programme) dated 29 November 2011, as amended and updated from time to time, effective 22 October 2019 and 23 October 2019 respectively. Debt security code: FRC318 ISIN: ZAG000163684 Nominal issued: ZAR 325 000 000.00 Issue date: 22 October 2019 Coupon rate: 3 month JIBAR plus 250 basis points Interest commencement date: 22 October 2019 Maturity date: 20 December 2024, subject to paragraph 51 of the pricing supplement Debt security code: FRC319 ISIN: ZAG000163700 Nominal issued: ZAR 200 000 000.00 Issue date: 23 October 2019 Coupon rate: 3 month JIBAR plus 320 basis points Interest commencement date: 23 October 2019 Maturity date: 20 December 2026, subject to paragraph 151 of the pricing supplement Type of debt security: Credit-linked notes Issue price: 100% Interest determination date(s): The first business day of each Interest Period First interest payment date: 20 December 2019 Interest payment date(s): 20 March, 20 June, 20 September and 20 December of each year until the Maturity Date Last day to register: By 17:00 on 15 March, 15 June, 15 September and 15 December of each year until the Maturity Date Books close: 16 March, 16 June, 16 September and 16 December of each year until the Maturity Date Business day convention: Modified Following Business Day Final maturity amount: 100% of the Aggregate Nominal Amount Other: The pricing supplement contains changes to the terms and conditions as contained in the programme Summary of additional terms: Please refer to the, early redemption and credit-linked note provisions contained in the pricing supplements Programme amount: ZAR 30 000 000 000.00 Total notes in issue under programme: ZAR 23 478 803 390.58 Dealer: FirstRand Bank Limited, acting through its Rand Merchant Bank division 18 October 2019 Debt Sponsor RAND MERCHANT BANK (A division of FirstRand Bank Limited) Date: 18/10/2019 12:10:00 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.