FRC320 - Listing of New Financial Instrument FirstRand Bank Limited (Incorporated in the Republic of South Africa) (Registration number: 1929/001225/06) Issuer code: FRII Bond code: FRC320 ISIN: ZAG000163718 (FRB) LISTING OF NEW FINANCIAL INSTRUMENT The JSE Limited has granted FirstRand Bank Limited the listing of its senior unsecured unsubordinated credit-linked fixed rate notes, in terms of its note programme (the programme) dated 29 November 2011, as amended and updated from time to time, effective 23 October 2019. Debt security code: FRC320 ISIN: ZAG000163718 Nominal issued: ZAR 25 000 000.00 Type of debt security: Credit-linked fixed rate notes Issue date: 23 October 2019 Issue price: 100% Coupon rate: 7.60% Interest commencement date: 23 October 2019 First interest payment date: 23 October 2020 Interest payment date(s): 23 October 2020 Last day to register: By 17:00 on 18 October 2020 Books close: 19 October 2020 Business day convention: Modified Following Business Day Maturity date: 23 October 2020 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 supplement Programme amount: ZAR 30 000 000 000.00 Total notes in issue under programme: ZAR 23 503 803 390.58 Dealer: FirstRand Bank Limited, acting through its Rand Merchant Bank division 21 October 2019 Debt Sponsor RAND MERCHANT BANK (A division of FirstRand Bank Limited) Date: 21/10/2019 08:00:00 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.