United Kingdom

The London Branch is a Rand specialist and has a proven track record in the African markets. We are a provider of South African and African currency and interest rate products to United Kingdom and European multinationals with interests in South Africa and Africa.

In addition, the London Branch provides banking products and services to South African multinationals and debt issuers entering the international markets.

The team’s primary focus is on the trade corridor between Africa and Europe and the provision of individual country financial solutions.

The London Branch also has a team responsible for European institutional investor relationships, which syndicates debt originated in the various Group entities.

For more information please e-mail us at info@rmb.co.uk or visit our website at www.rmb.co.uk

India

FirstRand Bank is the first bank from the African continent to be granted a full-scale commercial banking licence in India.

The India Branch, based in Mumbai, primarily focuses on Investment Banking, Fixed Income, Currency and Commodity products, Trade Finance as well as Debt Capital Markets and other structured products.

The Branch provides services to Indian corporates who are looking to do business in Africa and African corporates who are looking to do business in India.

For more information please contact Sriram Narayanan in India on +91 22 6625 8604 or sriram.narayanan@firstrand.co.in or visit our website at www.firstrand.co.in

China

FirstRand's Chinese Representative Office is located in Shanghai. Through this office we facilitate the financing of cross-border trade between Africa and Asia, including the provision of banking products and services to financial institutions in the region. We are also well positioned to provide advisory services for inward investment into Africa.

In July 2009, FirstRand Bank formed a strategic partnership with China Construction Bank (CCB). This partnership aligns two leading banks on two strategic continents to facilitate banking opportunities in the China - Africa corridor.

Through our Representative Office and our strategic partnership with CCB we are well positioned to provide our clients with a holistic banking offering.

For more information please contact Erwin Pon in South Africa on +27 011 282 4202 or Erwin.Pon@rmb.co.za or Julia Zhu Jin in China on +86 216 210 0909 or Zhu.Jin@firstrand.co.za

Middle East

FirstRand operates a fully fledged Representative Office in the Middle East, based in Dubai. FirstRand operates under two regulatory licenses, being a Representative Office license which was awarded in early 2007 and a DIFC Category 4 License which was awarded in mid-2008.

Through this Representative Office, we are able to facilitate the financing of cross-border trade between Africa and the Middle East. We also offer a full range of banking products and services to South African entities with a presence in the region. In addition, we are able to offer investment advice for Middle Eastern companies investing in Africa.

Our business offering is complimented by the Group's Private Wealth Management business platform, which enables the Group to provide Wealth Management solutions to high net worth individuals in the region.

For more information please contact Naveen Agarwal in Dubai on +97 14 371 3620 or naveen.agarwal@firstrand.co.za