FirstRand Limited Unsponsored ADR (US OTC:FANDY) July 1, 2015 1

FirstRand Ltd. Is a registered bank controlling company, which provides banking, insurance and investment products and services to retail, commercial, corporate and public sector customers through its subsidiaries; First National Bank, the retail and commercial bank, Rand Merchant Bank, the corporate and investment bank, WesBank, an installment finance provider, and Ashburton Investments, the Group's newly-established investment management business. FNB products include mortgage loans, credit and debit cards, personal loans and investment products, and services comprise transactional and deposit taking, card acquiring, credit facilities and FNB distribution channels. Rand Merchant Bank provides diversified financial services and products, encompassing investment banking, fund management, private wealth management and advisory services. The WesBank provides full service installment credit finance to both the retail and corporate market, including asset based finance. The company was founded by Lauritz lanser Dippenaar, G. T. Ferreira and Paul Kenneth Harris in 1970 and is headquartered in Sandton, South Africa.