Date these rules were first published:  06 July 2015
Date these rules were last changed:  07 July 2015

Read these promotion rules carefully. These promotion rules (“rules”) explain your rights and duties in connection with this promotion. If you take part in this promotion and/or accept any reward associated with the promotion, these rules will apply to you and you agree that the promoter(s) can assume that you have read and agreed to be legally bound by these promotion rules.

Promotion Name:

CliffCentral Savings Anthem Competition

Promoter(s) Name(s):

This promotion is run by FNB, a division of FirstRand Bank Limited with Reg. No. 1929/001225/06 (“FNB”).

In these rules we refer to the above promoter(s) as “the promoter(s)”, or “us” or “we”.  We will refer to participants as “you”.

Promotion start date:

09 July 2015 at 09:00am.

Promotion end date: 

15 July 2015 at 9:00am.

Duration and availability:

The competition will run for a seven day period, starting 09 July 2015 at 09:00am and end 15 July 2015 at 09:00am.

Eligibility: Who qualifies to take part?

This promotion is available to all individuals aged 18 and above who reside in the Republic of South Africa.

How to take part?

In order to qualify for the competition, you must vote on or WeChat for the member of the Gareth Cliff Show on CliffCentral who sings the FNB Savings Month anthem the best during the competition period. Each member of the Gareth Cliff Show on CliffCentral will sing the FNB Savings Month Anthem live between 06:00am and 09:00am, and listeners (live and via podcast) will have the opportunity to vote for their favourite rendition of the FNB Savings Month Anthem. Voting will close on Wednesday 15 July at 09:00am and the winner will be announced by the end of July 2015 after an audited random selection.

What is the reward?

The winner will receive R5000.00 deposited into an FNB 32 Day Flexi Notice. If the winner is however an FNB client, they will qualify for R10 000 prize money and will be deposited into the 32 Day Flexi Notice. In the event that the client already has a FNB 32 Day Flexi Notice account opened, they may elect to have their prize money deposited into their existing account. The FNB 32 Day Flexi Notice account must be in the name of the client.

Are there promotional interest rates that apply?

There are no promotional interest rates that apply to this promotion. Standard interest rates apply as published on which are based on the selected product(s), balance tier, account term and customer age where applicable.

Which terms and conditions apply to the promotion?

FNB 32 Day Flexi Notice Product Rules apply

Savings & Investment Account General Terms & Conditions

FNB General Terms and Conditions

Rules that apply to competitions/promotions run on social network sites like Facebook, Twitter, Foursquare or Pinterest

These Terms and Conditions can be found on

General rules: what do you need to take note of?

FNB reserves the right to change the rules of the competition or to extend the competition at any time. Changes will be published on For informational purposes only, the date the rules were last amended is recorded above.

The clauses in these rules are severable. This means that if any clause in these rules is found to be unlawful, it will be removed and the remaining clauses will still apply.

Where any dates or times need to be calculated, the international standard time: GMT plus two hours will be used.

Questions about FNB Savings and Investments products?

Email us on[email protected]
Call us on-087 320 4321



The following rules apply to competitions/promotions run on social network sites like Facebook, Twitter, Foursquare or Pinterest and radio stations:

Site refers to any social network site on which this competition/promotion will be run.

If the competition/promotion requires you to post anything, your post must be original and written by you. For purposes of these rules “post” includes, but isn’t limited to any written material or visual or audio material such as an image file, a photo, a sound or video clip. You may not use somebody else’s post or work as your post, or as part of your post. If you are allowed to quote content from another source, you must state clearly who the author is. Any post that we believe to constitute plagiarism will be disqualified.

You may not post updates that are derogatory or harmful to the promoter(s), the site, or any other person. By posting any content you warrant to the promoter(s) and the sites that you are the sole creator, designer, author or owner of the work and that you have the right to post the work.

If the competition/promotion involves voting by users of the site, you may not vote for yourself.
You may not misuse the site or competition/promotion in any way. This includes posting content for commercial purposes or distributing spam or malicious code or using the site to collect the personal data or content of other users or direct visitors to other sites or pages.

Posts must not contain any content that is normally prohibited on the site such as explicit or offensive content.

You agree that the promoter(s) have the absolute discretion to decide if your actions constitute any of the actions prohibited above and to end your participation in the competition/promotion immediately and take appropriate legal action against you. The promoter(s) may also immediately remove any posts that they reasonably believe constitute any prohibited content without notice to you.

You must comply with the terms & conditions and privacy policies of the site.

By posting the submission you give the promoter(s) a world-wide, royalty free and non-exclusive license to reproduce, modify, adapt and publish any content you have posted on the site for purposes of the competition/promotion for the purpose of promoting the products and services of the promoter(s). The promoter(s) will not publish your name or photograph unless we have your consent to do so.

The promoter(s) are not responsible for the sites. The promoter(s) cannot control how they operate, when or if they are available, or what content they carry. Eventhough the promoter(s) run the competition/promotion on the site the promoter(s) do not endorse the third party, its site, its products, or services or any content on the site. You use the site at your own risk. You must take all necessary measures to protect yourself from risks, such as viruses and other destructive code.

You must obtain at your own expense all equipment and services that are necessary to gain access to the site to take part in this competition/promotion.

The promoter(s) can put in place such technical or other remedies it considers appropriate to prevent abuse, or to protect any sites or our systems or other users.

You understand that this competition/promotion is not in any way being sponsored, endorsed or administered by, or associated with the site. You fully release the site from any legal responsibility to you or any other person.  By participating in this competition/promotion, you understand that you are providing information to the promoter(s) and not to the site.

If you don’t comply with these clauses your posts can be deleted and you will not be allowed to access the site or take part in the competition/promotion.


You agree to indemnify the promoter(s) fully for any loss or damage the promoter(s) may suffer because you breached the competition/promotion rules. This means you agree to reimburse the promoter(s) for the following: any loss or damage they suffer, any expenses and costs they paid or are responsible for. Legal costs means costs on an attorney and own client scale.

You also agree to indemnify the promoter(s) for any loss or damage you suffered because you took part in this competition/promotion or used the prize. If you enter yourself, or use or accept the prize, you understand that you do so of your own free will. This means that you cannot hold the promoter(s) legally responsible for any loss or damage or legal expenses you suffered because you took part in this competition/promotion or used the prize.

You will protect the promoter(s) from being held legally responsible for the loss or damage or legal expenses of another person (legal or natural) if such loss or damage or expense was incurred because you: a) breached the competition/promotion rules b) took part in this competition/promotion or c) and such person used a prize.

If the promoter(s) are not able to get hold of you after making reasonable efforts to do so, or you do not claim your prize on time, you will lose your prize and the judges may award it to someone else.
If you fail to comply with any part of these rules you will be disqualified and you will forfeit any prize(s).

Unless we say otherwise you must be at least 18 to enter.

Unless we say otherwise entry is restricted to one entry per person and multiple entries will be disqualified.

Automated or bulk entries will be disqualified.

The prizes may not be sold or given to someone else.

The prizes cannot be swapped for cash or a different prize.

You are responsible for the tax associated with using or accepting any prize.

You may not attempt to do anything to change the outcome of the competition/promotion in any way.

The judges’ decision is final and no correspondence will be entered into.  This means you cannot appeal any decision by the judges.

The promoter(s) have the right to end this competition/promotion at any time. If this happens you agree to waive (give up) any rights that you may have about this competition/promotion and agree that you will have no rights against the promoter(s).

The promoter(s) reserve the right to change the rules of the competition/promotion. The promoter(s) can change the rules of the competition/promotion throughout the duration of the competition/promotion. For convenience only, the date on which these rules were last amended will be shown below the heading. It is your responsibility to check the rules for amendments.

The clauses in these rules are severable. This means that if any clause in these rules is found to be unlawful, it will be removed and the remaining clauses will still apply.

Where any dates or times need to be calculated in terms of this agreement, the international standard time: GMT plus two hours will be used.

While the promoter(s) may allow you extra time to comply with your obligations or decide not to exercise some or all of our rights, or waive certain requirements, the promoter(s) can still insist on the strict application of any or all of its rights at a later stage. You must not assume that this means that the rules have been changed or that it no longer applies to you.

You must send all legal notices to FNB Legal, 3rd Floor, No 1 First Place, Bank City, Johannesburg, 2001.

This competition/promotion and its rules will be governed by the law of the Republic of South Africa regardless of where you live or work, or where or how you enter.


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