TransUnion Credit Bureau Web: www.mytransunion.co.

za
Wanderers Office Park, 52 Corlett Drive, Illovo, 2196 Contact Centre: 0861 482 482
P O Box 4522, Johannesburg, 2000

Consumer Credit Report

Name: THULANI MPANGASE

Date Requested: 14-11-2013 09:04

Your TransUnion Credit Report outlines your credit information and provides you with explanations
for you to better understand and manage your credit. The information is gathered from your credit/service
provider/s.

To assist you in understanding the report, we have provided explanations within each section.

Should you have any queries please contact TransUnion on 0861 482 482 from Monday to Friday
08h00 - 17h00 or Saturday 08h00 - 13h00.

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SECTION A

1. YOUR PERSONAL INFORMATION

Your personal information is compiled from applications you have made, for example the last time you applied for credit. Included herewith is your personal
information such as name, surname, marital status, physical and postal address, contact numbers, ID number, spouse details, current employer and occupation,
captured at the time.

First Name: THULANI Surname: MPANGASE

ID Number: 6802095769082 Marital Status: SINGLE
Date of Birth: 09/02/1968 No. of Dependants: 2
Spouse Name: BUSISIWE E-mail Address: THULANI.MPANGASE@JWATER.CO.ZA
Current Tel No: (H) (011) 9863345 Current Tel No: (W) (011) 6881400
Previous Tel No: (H) (011) 6896360 Previous Tel No: (W) (015) 2978732
Cellular: 0736902309
Also known as: MPANGASE,M/MPANGASE,S

2. YOUR ADDRESS INFORMATION

Your last known addresses as supplied by the credit/service provider when you completed their credit/service application form.

Date Address Years at Address Owner/Tenant

06/09/2006 13084 RED SQUARE RD,VOSLOORUS,RUSLOO,GP,1475,ZA 07 Owner
06/09/2006 13084 IKOBE ST,EASTFIELD EXT 23,RUSLOO,GP,1475,ZA Tenant
28/12/2010 9 INYANGA ST,JOHANNESBURG,GP,2001,ZA 04 Tenant
06/09/2006 13084 RED SQUARE,EASTFIELD,RUSLOO,GP,1475,ZA 04 Tenant

3. YOUR EMPLOYMENT INFORMATION

Your last known employers as supplied by the credit/service provider when you completed their credit/service application form.

Date Employer Occupation

09/06/2011 DIGITAL MEDIA (TOPTV
23/04/2010 PRIME MEDIA CREDIT CONTROL
SUPERVI
08/11/2007 IMPERIAL CAR RENTAL CREDIT CONTROLLER

SECTION B

YOUR CREDIT SUMMARY

This section includes a summary of the content of your credit report. Adverse credit information may include judgments, enforcement actions, sequestrations and
rehabilitation. If you have paid your accounts late or have failed to pay, this will appear under either judgments, adverse information, notices or your payment
profile which is your account payment history over 24 months.

Sub-Records Number Balance Most Recent Date

Judgment/s
Notice/s
Notarial Bond/s
Default/s 1 15 738 28 Sep 2012
Trace Alert/s
Consumer Remark/s
Enquiries 12 14 Oct 2013
Total Account History 9 12 560

1. JUDGMENT/S
If you fall behind with your account payments and fail to respond to reminder letters then the credit/service provider may apply for a court judgment. A judgment
is granted when a court gives you the instruction to pay the outstanding account. A judgment remains on your credit report for 5 years and details of the
judgment/s are outlined below. The Capture Date below indicates the date on which the data was captured on your TransUnion Credit Report.

2. NOTICE/S

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 If you fail to pay an outstanding account the credit/service provider can take legal action in the form of a notice against you. Notices include administration
orders, provisional sequestration, sequestrations and rehabilitation orders. Administration orders remain on your credit report for 10 years, rehabilitation orders
remain for 5 years and sequestration orders remain for 10 years if no rehabilitation order is granted.

3. NOTARIAL BOND/S

A notarial bond is not considered negative information. It is a bond over moveable property registered by the Registrar of Deeds. Should you become insolvent
the credit/service provider who holds the registered bond has preferential claim over the finances raised from the sale of this bond.

4. DEFAULT/S

This information relates to late payment or non-payment of your account/s, where the credit/service provider enforces their rights by taking action against you. If
the default relates to an enforcement action such as, handed over for collection or recovery, legal action or write off, the default will remain on your credit report
for 2 years. If the default relates to a subjective classification of your behavior such as, delinquent, slow paying, absconded or not contactable, the default will
remain on your credit report for 1 year.

Default Date: 28/09/2012 Source: CEEBEE DEBT MAN

Contact Name: Alvina Barnett Default Type: Handed Over
Account Number: CB1026032D Contact Tel No: (011) 9132447
Account Holder: T MPANGASE Default Amount: 15 738
Account Holder DOB: 09/02/1968 Account Holder ID: 6802095769082
Remarks: CLIENTNO: 10446

5. TRACE ALERT/S

A trace alert is placed on your credit report when a credit/service provider has asked to be notified when any updated contact information is loaded onto your
credit report as they are unable to make contact with you due to outdated contact information.

6. CONSUMER REMARKS

This is an explanation of facts or conditions that affect you, for example your identity document has been stolen and you have requested that TransUnion note it
on your credit report.

7. ENQUIRIES

An enquiry is recorded whenever your credit report is shown to another party such as a credit/service provider. Enquiries remain on your credit report for up to 2
years. An enquiry is typically done when you apply for credit. If you do not recognise any of the companies that have done an enquiry and have not authorised
any enquiry, it may indicate potential fraud or identity theft is taking place. When you personally check your credit report with TransUnion, the enquiry that is
recorded will not adversely affect your credit standing.

Date Enquirer Type Contact Information

01/11/2013 WONGA FINANCE SA NORMAL WONGA FINANCE SA LTD 0861966421
14/10/2013 DIRECT AXIS SA NORMAL DIRECT AXIS SA 0217643404
01/10/2013 DIRECT AXIS SA NORMAL DIRECT AXIS SA 0217643404
26/09/2013 CPB USER NORMAL CREDIT LINK PLACEMENTS 011 9073796
18/09/2013 ABSA PERSONAL LOA NORMAL ABSA CALL CENTRE 0113504000
11/09/2013 CAPFIN NORMAL Capfin 0873540002
02/09/2013 WONGA FINANCE SA NORMAL WONGA FINANCE SA LTD 0861966421
16/07/2013 WONGA FINANCE SA NORMAL WONGA FINANCE SA LTD 0861966421
11/06/2013 WONGA FINANCE SA NORMAL WONGA FINANCE SA LTD 0861966421
21/02/2013 MIE PTY LTD NORMAL MANAGED INTEGRITY EVALUATION (PTY) LTD
+27-12-644-
31/01/2013 CREDITDATA USER NORMAL GOLD ENCOUNTER 011 4446100
09/02/2012 LETSATSI FIN & LO NORMAL DOLLY MPANZA ()

SECTION C

TOTAL ACCOUNT HISTORY/PAYMENT PROFILE

A summary of your accounts including the date the account was opened, the credit limit or amount of the loan, the payment terms, the outstanding balance on
the account as well as a 24 month depiction of how you pay your accounts.

At a glance summary of your payment history color status codes.

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 OK 30 60 90 120 150+ AA AC C E F G H K
Account Cancelled Cancelled Paid Out
Account up Terms Lapsed
Account Days in Arrears Suspended Frozen Closed / by by Deceased
to date Extended Policy
Paid Up Consumer Supplier Claim

M N P S T V X Z NU L I J W

Paid Out Loan Against Early Cooling off Paid Up Credit Card
Paid Up Surrendered Deceased Not Updated Handed Over Repossession Written Off
Disability Policy Settlement Settlement Default Revoked

AUTOPAGE (OPEN ACCOUNT WITHOUT CREDIT LIMIT)

Account Information

Date Opened: 31 August 2007 Opening Balance:

Monthly Instalments: Current Balance:

Account Details

Type of Payment: Other Account Ownership: Other

No of Parties in Joint Account: 0 Repayment Frequency: Monthly
Account Sold to Third Party: No Deferred Payment Date:
Third Party Name:

Two Year Payment History

P P P P P P P P P P P P P P P P P P P P P NU NU NU

Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov
11 12 12 12 12 12 12 12 12 12 12 12 12 13 13 13 13 13 13 13 13 13 13 13

WONGA FINANCE SA (INSTALMENT ACCOUNT)

Account Information

Date Opened: 12 June 2013 Opening Balance: 1 000

Monthly Instalments: Current Balance:

Account Details

Type of Payment: Account Ownership:

No of Parties in Joint Account: 0 Repayment Frequency:
Account Sold to Third Party: No Deferred Payment Date:
Third Party Name:

Two Year Payment History

NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU C NU NU NU NU

Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov

11 12 12 12 12 12 12 12 12 12 12 12 12 13 13 13 13 13 13 13 13 13 13 13

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WONGA FINANCE SA (INSTALMENT ACCOUNT)

Account Information

Date Opened: 17 July 2013 Opening Balance: 2 500

Monthly Instalments: Current Balance:

Account Details

Type of Payment: Account Ownership:

No of Parties in Joint Account: 0 Repayment Frequency:
Account Sold to Third Party: No Deferred Payment Date:
Third Party Name:

Two Year Payment History

NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU C NU NU NU NU

Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov

11 12 12 12 12 12 12 12 12 12 12 12 12 13 13 13 13 13 13 13 13 13 13 13

WONGA FINANCE SA (INSTALMENT ACCOUNT)

Account Information

Date Opened: 13 August 2013 Opening Balance: 2 500

Monthly Instalments: Current Balance:

Account Details

Type of Payment: Account Ownership:

No of Parties in Joint Account: 0 Repayment Frequency:
Account Sold to Third Party: No Deferred Payment Date:
Third Party Name:

Two Year Payment History

NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU C NU NU NU

Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov

11 12 12 12 12 12 12 12 12 12 12 12 12 13 13 13 13 13 13 13 13 13 13 13

WONGA FINANCE SA (INSTALMENT ACCOUNT)

Account Information

Date Opened: 03 September 2013 Opening Balance: 2 500

Monthly Instalments: Current Balance:

Account Details

Type of Payment: Account Ownership:

No of Parties in Joint Account: 0 Repayment Frequency:
Account Sold to Third Party: No Deferred Payment Date:
Third Party Name:

Two Year Payment History

NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU C NU NU

Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov

11 12 12 12 12 12 12 12 12 12 12 12 12 13 13 13 13 13 13 13 13 13 13 13

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CAPFIN (INSTALMENT ACCOUNT)

Account Information

Date Opened: 12 September 2013 Opening Balance: 6 000

Monthly Instalments: Current Balance:

Account Details

Type of Payment: Account Ownership:

No of Parties in Joint Account: 0 Repayment Frequency:
Account Sold to Third Party: No Deferred Payment Date:
Third Party Name:

Two Year Payment History

NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU C NU

Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov

11 12 12 12 12 12 12 12 12 12 12 12 12 13 13 13 13 13 13 13 13 13 13 13

WONGA FINANCE SA (INSTALMENT ACCOUNT)

Account Information

Date Opened: 01 October 2013 Opening Balance: 2 500

Monthly Instalments: Current Balance:

Account Details

Type of Payment: Account Ownership:

No of Parties in Joint Account: 0 Repayment Frequency:
Account Sold to Third Party: No Deferred Payment Date:
Third Party Name:

Two Year Payment History

NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU C NU

Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov

11 12 12 12 12 12 12 12 12 12 12 12 12 13 13 13 13 13 13 13 13 13 13 13

CAPFIN (UNSECURED CREDIT TRANSACTION)

Account Information

Date Opened: 01 October 2013 Opening Balance: 7 100

Monthly Instalments: 1 487 Current Balance: 6 251

Account Details

Type of Payment: Other Account Ownership: Other

No of Parties in Joint Account: 0 Repayment Frequency: Monthly
Account Sold to Third Party: No Deferred Payment Date:
Third Party Name:

Two Year Payment History

NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU OK OK

Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov

11 12 12 12 12 12 12 12 12 12 12 12 12 13 13 13 13 13 13 13 13 13 13 13

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BOSTON FINANCE CC (INSTALMENT ACCOUNT)

Account Information

Date Opened: 02 October 2013 Opening Balance: 3 550

Monthly Instalments: 1 052 Current Balance: 6 309

Account Details

Type of Payment: Account Ownership:

No of Parties in Joint Account: 0 Repayment Frequency:
Account Sold to Third Party: No Deferred Payment Date:
Third Party Name:

Two Year Payment History

NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU OK NU

Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov

11 12 12 12 12 12 12 12 12 12 12 12 12 13 13 13 13 13 13 13 13 13 13 13

YOUR ACCOUNT HISTORY/PAYMENT PROFILE CODES GUIDE

OK Your account payment is up to date

30-150+ The number of consecutive days that you have failed to make payment on your account

AA Your account has been suspended by the credit/service provider

AC Your account has been frozen by the credit/service provider
C Your account has been paid in full and is closed
E Your repayment terms have been extended by the credit/service provider
F Your insurance policy has lapsed due to non-payment
G You have cancelled your insurance policy
H The insurance company has cancelled your policy
I Your credit card has been revoked or cancelled by the credit/service provider
J Your goods have been repossessed
K A death claim has been paid to you as a principal/main beneficiary of a policy
L Your account has been handed over to an attorney or collection agency for recovery
M You have received a disability payout as the principal/main policy holder (Long Term Insurance only)
N You have been granted a loan against the outstanding value of your policy (Long Term Insurance only)
P Your revolving account has been paid in full and can become active again
S Your policy has been cancelled and your premium has been paid out
T You have settled your loan early for account types such as Instalment Account, Personal Loan Account, Home Loan Account, Building Loan
Account, Student Loan Account, Unsecured Credit Transaction Account
V Your loan has been settled within the 5 day cooling off period
W Your account has been written off due to non-payment and will reflect on your credit report for 2 years
X You have fully paid your account after a status code of J (Repossession) or W (Written Off) on your Account History/Payment Profile
Z TransUnion has received a notification from the credit/service provider that you are deceased
NU Not updated

DEFERRED PAYMENT GUIDE

Quarterly: You are required to pay your instalment every three months
Bi-Annual: You are required to pay your instalment every six months
Annual: You are required to pay your instalment annually

ACCOUNT OWNERSHIP TYPES GUIDE

This field indicates the manner in which an account is owned by you. There are three ways in which you can own an account.

Sole Proprietor: If you are a Sole Proprietor you do business in your own name and you are the sole owner of the business. You personally are responsible for all the
debts of the business. As a Sole Proprietor you may do business with a trade name other than your legal name
Joint Loan: A Joint loan or Joint Bond is when the full value of your home loan is registered with yourself and one or more other individuals. The Payment History
information is reflected against all the participants of the Joint Loan and not just the individual/s who are making payment
Other: If an ownership type is not supplied for either a Sole Proprietor or a Joint Loan then the Ownership Type defaults to “’Other”

To find out more, visit our learning centre on www.mytransunion.co.za

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