FirstRand Bank Limited (Incorporated in the Republic of South Africa) (Registration number: 1929/001225/06) Issuer code: FRII LEI: ZAYQDKTCATIXF9OQY690 Bond Code: FRB29 ISIN: ZAG000175555 Bond Code: FRC256 ISIN: ZAG000145806 Bond Code: FRC400 ISIN: ZAG000185695 Bond Code: FRC401 ISIN: ZAG000185703 Bond Code: FRC405 ISIN: ZAG000186107 Bond Code: FRJ27S ISIN: ZAG000185232 Bond Code: FRJ29S ISIN: ZAG000185257 Bond Code: FRS172 ISIN: ZAG000147455 Bond Code: FRS206 ISIN: ZAG000163304 Bond Code: FRS246 ISIN: ZAG000173550 (FRB) NOTIFICATION OF A PARTIAL CAPITAL REDUCTION OF LISTED DEBT SECURITIES AND INTEREST AND CAPITAL PAYMENTS In accordance with the terms and conditions of FRB’s ZAR 60 000 000 000 note programme dated 29 November 2011, as amended from time to time, noteholders are herewith advised of the partial capital reduction of the FRC256 notes. Bond code: FRC256 ISIN: ZAG000145806 Amount before reduction: ZAR 15 000 000.00 Reduction amount: ZAR 1 500 000.00 Amount after reduction: ZAR 13 500 000.00 Settlement / redemption amount: ZAR 1 500 000.00 Record date: 13 January 2023 Pay date/effective date of the reduction: 17 January 2023 The partial capital reduction is due to the amortisation of the FRC256 listed debt securities, in accordance with the terms and conditions of the notes. INTEREST PAYMENT NOTIFICATIONS Noteholders are advised of the following interest payment due 16 January 2023: Bond code: FRS206 ISIN: ZAG000163304 Coupon: 8.388% Interest amount due: ZAR 2 160 197.26 Interest period: 14 October 2022 to 15 January 2023 Date Convention: Modified Following Business Day Payment Date: 16 January 2023 Noteholders are advised of the following interest payment due 16 January 2023: Bond code: FRS172 ISIN: ZAG000147455 Coupon: 8.638% Interest amount due: ZAR 2 153 583.56 Interest period: 17 October 2022 to 15 January 2023 Payment Date: 16 January 2023 Date Convention: Modified Following Business Day Noteholders are advised of the following interest payment due 17 January 2023: Bond code: FRC256 ISIN: ZAG000145806 Coupon: 8.658% Interest amount due: ZAR 327 343.56 Interest period: 17 October 2022 to 16 January 2023 Payment Date: 17 January 2023 Date Convention: Modified Following Business Day Noteholders are advised of the following interest payments due 19 January 2023: Bond code: FRB29 ISIN: ZAG000175555 Coupon: 8.798% Interest amount due: ZAR 52 645 303.67 Interest period: 19 October 2022 to 18 January 2023 Date Convention: Following Business Day Bond code: FRC400 ISIN: ZAG000185695 Coupon: 9.658% Interest amount due: ZAR 6.302 519.74 Interest period: 19 October 2022 to 18 January 2023 Date Convention: Modified Following Business Day Bond code: FRC401 ISIN: ZAG000185703 Coupon: 10.500% Interest amount due: ZAR 1 974 345.21 Interest period: 19 July 2022 to 18 January 2023 Date Convention: Modified Following Business Day Bond code: FRC405 ISIN: ZAG000186107 Coupon: 11.100% Interest amount due: ZAR 8 393 424.65 Date Convention: Modified Following Business Day Bond code: FRS246 ISIN: ZAG000173550 Coupon: 11.917% Interest amount due: ZAR 901 121.10 Interest period: 19 October 2022 to 18 January 2023 Date Convention: Modified Following Business Day Payment Date: 19 January 2023 Noteholders are advised of the following interest payments due 20 January 2023: Bond code: FRJ27S ISIN: ZAG000185232 Coupon: 7.758% Interest amount due: ZAR 18 733 125.70 Bond code: FRJ29S ISIN: ZAG000185257 Coupon: 7.908% Interest amount due: ZAR 21 347 700.16 Interest period: 20 October 2022 to 19 January 2023 Payment Date: 20 January 2023 Date Convention: Following Business Day 4 January 2023 Debt Sponsor RAND MERCHANT BANK (A division of FirstRand Bank Limited)