FNB no fairness, transparency, accountability, and reliability

In the interest of fairness, transparency, accountability, and reliability which are a set of key operational standards focus that FNB operates under, can you please clarify why FNB decided to increase the rate from 10.90 % nominal plus main banked discount of 0.25% to 11.15 % plus main banked discount of 0.25% and they said is the best offer available. You said you referred the matter to FNB pricing to review the interest rate, unless there is something wrong with FNB pricing, but it doesn’t make sense that as a client who has been banking with FNB for more than 20 years, conducting my banking affairs very well, with an excellent ITC records, provide FNB with a pre-approval with an interest rate of 7.75% (Prime minus 2.25) as per the attached, and then after you refer the application to FNB pricing FNB punish me by reviewing the rate upward, thus adding the rate and they even say it is the best offer.