FRII FRD FRLE FRTN - Availability of the Annual Report FirstRand Bank Limited (Incorporated in the Republic of South Africa) (Registration number: 1929/001225/06) LEI: ZAYQDKTCATIXF9OQY690 JSE company code interest rate issuer: FRII JSE company code debt issuer: FRD JSE company code ETF issuer: FRLE JSE company code ETN issuer: FRTN (FRB or the bank) AVAILABILITY OF THE ANNUAL REPORT FRB is a wholly-owned subsidiary of FirstRand Limited (FSR or the group). The group released its annual report on 9 October 2020. Securityholders are advised that FRB’s annual report for the year ended 30 June 2020 and accompanying unqualified audit report (collectively, the annual report) are now available on the group’s website https://www.firstrand.co.za/investors/annual-reporting/. The annual report is also available for inspection at FRB’s registered office. Furthermore, securityholders are hereby advised of the following restatements and changes in presentation to FRB's previously published annual financial statements for the year ended 30 June 2019, as outlined below: • IFRS 16 was adopted effective 1 July 2019 and the statement of financial position as at 1 July 2019 was restated. Other comparatives were not restated, as allowed by IFRS 16. • The amendments to IAS 12 were adopted retrospectively and comparative information was restated. • Customer loyalty related expenses were reclassified from operating expenses to fee and commission expenses in non-interest revenue. Information relating to the impact of new and amended IFRS accounting standards, the impact of restatements and changes in presentation are included in the FRB Analysis of financial results for the six months ending 31 December 2019, which is available on the group’s website at: https://www.firstrand.co.za/media/investors/reports/frb-analysis-of-financial-results-booklet-december-2019.pdf. 9 October 2020 Debt Sponsor RAND MERCHANT BANK (a division of FirstRand Bank Limited) Date: 09-10-2020 09:00:00 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.