FRII - Interest Payment Notifications FirstRand Bank Limited (Incorporated in the Republic of South Africa) (Registration number: 1929/001225/06) Issuer code: FRII LEI: ZAYQDKTCATIXF9OQY690 Bond Code: FRB21 ISIN: ZAG000140856 Bond Code: FRC286 ISIN: ZAG000156548 Bond Code: FRC306 ISIN: ZAG000160938 Bond Code: FRC328 ISIN: ZAG000164898 Bond Code: FRS201 ISIN: ZAG000162025 (FRB) INTEREST PAYMENT NOTIFICATIONS Noteholders are advised of the following interest payment due 24 February 2020: Bond code: FRB21 ISIN: ZAG000140856 Coupon: 10.650% Interest amount due: ZAR 26 552 054.79 Interest period 25 November 2019 to 23 February 2020 Payment date: 24 February 2020 Date Convention: Following Business Day Noteholders are advised of the following interest payment due 26 February 2020: Bond code: FRS201 ISIN: ZAG000162025 Coupon: 8.720% Interest amount due: ZAR 5 494 794.52 Interest period 26 November 2019 to 25 February 2020 Payment date: 26 February 2020 Date Convention: Modified Following Business Day Noteholders are advised of the following interest payments due 27 February 2020: Bond code: FRC286 ISIN: ZAG000156548 Annualised interest rate: 3.400% Interest rate for the period: 1.700% Base CPI: 109.2870968 Reference CPI: 113.4896552 Interest amount due: ZAR 317 767.02 Date Convention: Modified Following Business Day Applicable formula: (Aggregate Nominal Amount x CPI Adjustment x Interest Rate) / 2, all definitions used in this calculation as per the pricing supplement URL: https://www.firstrand.co.za/investors/debt-investor-centre/jse-listed- instruments/ Bond code: FRC306 ISIN: ZAG000160938 Coupon: 8.250% Interest amount due: ZAR 1 093 297.45 Interest period: 27 November 2019 to 26 February 2020 Bond code: FRC328 ISIN: ZAG000164898 Coupon: 8.458% Interest amount due: ZAR 996 421.91 Interest period: 3 December 2019 to 26 February 2020 Date Convention: Modified Following Business Day Payment date: 27 February 2020 18 February 2020 Debt Sponsor RAND MERCHANT BANK (A division of FirstRand Bank Limited) Think Precinct, 1 Merchant Place Cnr Fredman Drive & Rivonia Road Sandton 2196, South Africa P O Box 786273, Sandton, 2146, South Africa Date: 18-02-2020 04:35:00 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.