Reg. No. 1929/001225/06 (“FNB”).

In these rules we refer to the above promoter(s) as “the promoter(s)” or “FNB”. We refer to participants and winners as “you”.

Entries close 27^th February 2026 at 23:59 pm

All entries, fully completed as required, must be received by the promoter(s) before the closing dates.

The promoter(s) reserve the right to extend the competition. Notice of this will be posted in these rules.

1.      Prize 1: R5 000 (Five Thousand Rand)

·       Individuals (including non-banked individuals) stand a chance to win R5 000 in eWallet

2.      Prize 2: Further R5 000

·       Individuals who have won prize 1 stand a further chance to win an extra R5 000 if that individual has sent 2 or more eWallet sends during the competition period.

The prize will be paid via eWallet into the cellphone number used to submit the qualifying voice note or via EFT to a bank account in the name of the winner.

·       Metro FM between 06:00-09:00

·       Ukhozi and Lesedi FM between 15:00-18:00

Please note: Whilst prize winners may be asked to take part in publicity for the Competition, prize winners have the right to refuse to do so. Your participation as a winner in the publicity campaign will be conducted once you provide the promoters with an unconditional, voluntary, specific, and informed consent for the promoters, either themselves or through their contractors and/or suppliers (“the promoter’s

Representatives”) to conduct the publicity campaign and to use (edit, exchange,

·       This competition is open to all individuals over the age of 18 who live in the Republic of South Africa. The individuals must hold a valid South African ID or a valid passport.

Prize 2:

·        Only individuals who have won Prize 1 will qualify for Prize 2; and

·       Only FNB customers who have sent two or more eWallet sends between 16 February 2026 and the day the participant sends their voice note to the radio station, are eligible for the double prize.

a)      Any employee of the promoter(s).

b)      Any director, member, partner, agent of, or consultant of the promoter(s).

c)      Any other person who is directly or indirectly controls the promoter(s).

d)      Any supplier of goods and services in connection with this competition.

e)     The spouse, life partner, siblings, children, or parents of any of the persons named in a, b, c, or d, above.

However, even if the aforesaid disqualified persons participate in the competition or is subsequently disqualified, these competition rules will continue to apply between the disqualified persons and FNB.

1.      Participants must submit a voice note short story (10–30 seconds) about their eWallet experience to the relevant radio station FNB WhatsApp bot to enter the competition.

2.      Anyone can win the R5 000 prize for the best story, regardless of whether they have sent eWallets.

3.      Participants or listeners must send their stories as per below

·

·       Week 1 – Wednesday 18th February after 15h00 till Thursday 19 February at 12h00 for the Friday winner

·       Week 2 – Friday 20 February from 12h00 till 27th February at 12h00

·        Week 3 – 27th February at 15h00 till Tuesday 3 March at 12h00

1.      To qualify for the further R5 000 prize, the winner of prize 1, must have sent two or more eWallet sends between 16 February 2026 and the day the participant sends their voice note to the radio station.

2.      Only the winner of the R5 000 prize is eligible for the double prize; there is no separate draw for the double prize.

3.      eWallet sends can be of any amount up to R10 000 (Ten Thousand Rands)

4.      If the winner cannot be verified as having sent two or more eWallet, they will only receive the R5 000 prize.

General for both Prizes:

1.      The double prize is not paid instantly and will only be awarded once verification is complete.

2.      Participants may not submit fraudulent or third-party screenshots. Only their own eWallet sends will be considered, and FNB will verify authenticity.

Rule Amendments

•        These Rules cannot be modified or superseded except by us, in our reasonable discretion, in a written revision to these rules.

•        FNB reserves the right to amend, modify, supplement these Competition rules or extend the competition from time to time where reasonably necessary, including for legal, technical, operational or commercial reasons, provided that no such amendment will materially prejudice any Participant.

•        Participants are responsible for familiarising themselves with the Competition Rules, which will be made available in digital format and accessible without charge via the Promoter’s official website, mobile application, or other digital platform through which the Competition is conducted.

•        Non-material amendments, including clarifications, platform-related adjustments, administrative updates or corrections, shall become effective upon publication on the relevant digital platform and may be indicated by an updated version date.

•        Rules can be found on FNB’s website: https://www.fnb.co.za/about- fnb/legal-matters/promotions-terms-and-conditions.html.

•        Any amendment that is reasonably regarded as material, meaning an amendment that affects eligibility requirements, the nature or value of prizes, the manner of entry or participation, the competition closing date, or the selection of winners, will be communicated to Participants through reasonable and appropriate digital notice prior to implementation.

•        Digital notice of a material amendment may include one or more of the following, as determined by the Promoter:

•        prominent notice on the competition landing page or entry interface.

•        in-app notifications.

•        (c) electronic communication to Participants using the contact details provided for purposes of the Competition; or

•        any other digital communication method reasonably calculated to bring the amendment to the attention of Participants

•        Where a material amendment is required as a result of changes in law, regulatory direction, system failure, security risk or circumstances beyond the Promoter’s reasonable control, the Promoter will take all reasonable steps to implement such amendment fairly, transparently and in compliance with the Consumer Protection Act, 68 of 2008.

·        Week 1 –17th February at 12h00 for the Wednesday winner

·        Week 1 – Thursday 19 February at 12h00 for the Friday winner

·       Week 2 – Tuesday 24 February at 12h00 for both Wednesday and Friday winners

·       Week 3 – Tuesday 3 March at 12h00 for both Wednesday and Friday winners

Primary winners will be confirmed and if uncontactable after 3 attempts, a back-up winner will be contacted.

The winners will not be announced on the day, prior vetting will be done prior.

The prize will be fulfilled within 6 weeks after following the winner announcement