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FIRST NATIONAL BANK

2009-11-12T03:30:00.000-08:00

FIRST NATIONAL BANK | FNB

Sustainability Report

Making sense of sustainability

www.firstnationalbank.co.za

Companies across the globe are increasingly being called upon by a range of stakeholders to behave more responsibly within a social, environmental and economic context. More than merely complying with rules and legislation, a company is expected to make a positive contribution within its area of influence. The perception is that such influence is limited to corporate social responsibility (CSR) investment only, that it refers to pure environmental concerns or the attainment of sustainable business profits.

The term "triple bottom line" has been coined to describe sustainability as a means to encourage the inclusion of social and environmental considerations alongside financial objectives. A governance aspect is included in this equation to ensure compliance across a number of dimensions. At the heart of sustainability is the need to find the right balance between economic, social and environmental goals, integrating ethical considerations into decision-making and managing on the basis of personal integrity.

But what does this mean exactly?

For starters, we need to make the connection between our individual actions and how these relate with social, ecological and political factors within the broader context of our economic lives. Everything we do affects the whole system. We have to consider the multiple impacts of our individual and corporate actions in an integrated way. The current energy challenges and the impact on the economy, business and our domestic environments is a case in point.
While the triple bottom line may be a great way to describe sustainability issues, it is important to understand the significance of the biophysical environment. After all, can enough money really de-pollute the last breath of air, and un-poison the last drop of drinking water? And maybe more importantly, can businesses operate when the last breath of air and the last drop of water are toxic? It is important for us to realise that if we destroy the integrity of the environment, the other triple bottom-line components are not viable.

The benefits of engaging in sustainability initiatives are immense. These can enable us to do 'good-business' while focusing on improving the bottom line. Taking full advantage of sustainability opportunities can also translate into an enhanced reputation, retaining and attracting quality employees and generating operating efficiencies.

At First National Bank ( FNB ) , we are focused on developing our business from good to Great underpinned by the 3 pillars of people, efficiencies and innovation. We are responding to this challenge by building enduring and rewarding relationships with our stakeholders. As a responsible business, we are in the influential position to make a positive impact by becoming active partners in helping to create a better world that is socially and environmentally viable in the long term. As we work towards meeting our financial and service targets, we remain mindful of the business relationship with the external environment - business and profit are worth nothing if the non monetized life-support systems that sustain society and business are eliminated. Like financial choices, the environmental, social, and governance decisions that we make now, will be reflected on our balance sheets in the future, notwithstanding the impacts.

We invite you to view our progress towards integrating business goals and the realisation of sustainable business practices as contained in our 2009 Sustainability Report on www.firstrandsustain.co.za. We also welcome your comments, views and suggestions by emailing us on firstrand.sustain@fnb.co.za.

First National Bank Always At Your Service. =]

FNB - The FirstRand Group

FirstRand Limited is an integrated financial services group providing a comprehensive range of products and services to the South African market and niche products in certain international markets. Read More At First National Bank !

FNB - Environmental Focus

FNB recognises the immediate and potential threats that global warming and other environmental issues pose. FNB has taken steps to minimise our impact on our surroundings. Read about how FNB's environmental policies. Read More At First National Bank

FNB - The Associate Model

The Associate Banker Model will change the face of our business as well as the industry and possibly your life; it has been designed to give the best people in the business the best opportunity to drive revenue for the bank and wealth for themselves.

FNB - Sustainability Report

At FNB, our vision is to transform a good business to a great business and to help create a better world. Our sustainability report details exactly how we are doing this.

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First Nation Bank MAKING THE DIFFERENCE

LIFE INSURANCE | LIFE COVER | LIFE INSURANCE QUOTE

2009-11-11T04:18:00.000-08:00

LIFE INSURANCE | LIFE COVER

Own your life!

Live life your way. That is what we at Liberty want to help you do.True freedom comes when we assume responsibility for our lives and the decisions we make - or do not make - and when we take the steps needed to steer a course to the future and the lifestyles we desire.

At Liberty we encapsulate this philosophy in three words: Own your life.

We believe you should and, can indeed, live life the way YOU intend. Your rules, your desires, your goals. Not an imitation of someone else's life.That is what Own your life is all about -- the freedom to design and control your destiny.This website gives you all the tools and information to do just that.Here you will find useful resources applicable in different phases of your life, for example, when you are:

Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured individual's or individuals' death or other event, such as terminal illness or critical illness. In return, the policy owner agrees to pay a stipulated amount called a premium at regular intervals or in lump sums. There may be designs in some countries where bills and death expenses plus catering for after funeral expenses should be included in Policy Premium. In the United States, the predominant form simply specifies a lump sum to be paid on the insured's demise.

Life Insurance the easy way

Whether you're looking to provide a financial safety net for your loved ones, moving house or a first time buyer looking to arrange your mortgage life insurance - or simply wanting to add some cover to what you've already got - you'll want to make sure you choose the right type of cover and get a great deal too.

Our life insurance is a quick and easy way to arrange cover that pays out a lump sum to your loved ones if you die during the term of the plan. Although remember, there is no cash-in value at any time, so if you stop your monthly payments or survive to the end of the policy, your cover will end and no money will be returned to you.

Life Insurance Quotes from

Life Insurance

Joint Life Insurance - We can offer advice on joint life insurance quotes to cover more than one policyholder. Mortgage Protection - If like many people, you are looking for life insurance to protect your mortgage, then we can help you arrange this. Whatever life insurance advice or products, you are seeking, complete our online quote form and we will take the hassle out of the search for you.

There are literally thousands of deals available and we make the whole research process fast, efficient and simple. Click the quote button below and take the first step to providing yourself and your family with affordable life insurance - the financial peace of mind they deserve.

Free
You don't have to pay us a penny whether or not you choose to use our services. We get paid by the provider meaning the service is free to you.
Easy
We remove the burden of finding and arranging suitable cover. Setting up a life insurance policy couldn't be more straightforward.
Holistic
Your adviser will ensure that your circumstances as a whole are taken into account in providing you with a recommendation for life cover.
Reviews
We will evaluate your situation each year to ensure that your cover is both suitable for your needs and remains competitive.
Regulated
We are regulated by the Financial Services Authority which means we recommend products and services which do what we say they will.

Personal
When you first get in touch you will be allocated your own Independent Financial Adviser from who you can expect good quality service on an ongoing basis.
Convenient
We are available from 9am-8pm weekdays so someone will always be here to take your call when it's most convenient for you.
Flexible
We understand that your needs and circumstances change over time. You are free to make changes to your policy without any charge.
Trusts
We can write your life cover into trust for you free of charge. This ensures your family receive the funds sooner and free of inheritance tax, as they bypass your estate.

Welcome to the new generation of life insurance!

Life happens ... good things and bad things; celebrating the former is easy, dealing with the latter, not so easy.

That’s why we’ve made life insurance easy, very easy to get, no paperwork, no frills, no brokers. Just straightforward life insurance on the phone or online within minutes!
We won’t waste your precious time with upfront medical tests, or fancy presentations designed to confuse you, but WE will save you time and money, up to 22% on your premiums.

We were the first to make life insurance accessible by phone and now we’ve implemented another first, you can get your insurance online right now, and because you deal directly with us, you can save on the broker fees.

So why wait, make a good thing happen and get your life insurance right here!

All About Life Insurance!

A life insurance policy allow you to make provision for your dependents when you die or become permanently disabled. You can also ensure financial security when you retire with a Retirement Annuity.

A life insurance policy pays a lump sum (based on the policy's terms and conditions), after your death, to provide for your family or settle any debt (i.e. outstanding amount on your car or home). Some life policies allow you to include disability cover.

A wide spectrum of life cover is available in the South African market. Term Life Insurance or Credit Life Cover would be ideal if you only want life cover for a certain period of time, i.e. while paying a bond on your house. See Bond Insurance (Life Cover from R80 per month).

Term Life Insurance is relatively cheap, but does not have an investment/cash value. When the agreed cover period have passed, the cover merely expires.

Whole Life Cover expires after the policy holder's death or when you surrender the policy. Your premium is invested by the insurance company and you can borrow against the policy as soon as it has a cash value.

Universal Life Cover has an investment component included. Your return on investment depends on the performance of the investment. The growth rate is not guaranteed, but rapid growth is a possibility.

\m/ Captivate \m/

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2009-10-12T05:48:00.000-07:00

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2009-10-09T07:43:00.000-07:00

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