TransUnion Credit Bureau Wanderers Office Park, 52 Corlett Drive, Illovo, 2196 P O Box 4522, Johannesburg, 2000

Web: www.mytransunion.co.za Call Centre: 0861 482 482

Consumer Credit Report

Name: Date Requested: SIMPHIWE JULY 13-10-2010 11:19

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.

Printed:13-Oct-2010 11:20

Registered with the National Credit Regulator - Reg No.NCRCB4

Page 1 of 8

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: ID Number: Date of Birth: Spouse Name: Current Tel No. (H): Previous Tel No. (H): Cellular: Also Known as:

SIMPHIWE 7707215655088 21/07/1977

(021) 3866390 (021) 3873343 0835321003 JULY,SIMPIWE,JULY,SIMPHIEW,JULY,SIMPHISWE,

Surname: Marital Status: No of Dependants: E-mail Address: Current Tel No. (W): Previous Tel No. (W):

JULY SINGLE 02 (021) 9492140 (021) 7042230

2. YOUR ADDRESS INFORMATION

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

Date 13/10/2010 16/09/2009 16/09/2009 16/09/2009

Address

Years ****No Address Information To Diaplay****

at Address 00 01 00 00

Owner/Tenant OWNER

92 EMMBRY DR,NYANGA,CAPE TOWN,7750,WC 92 EMMS DR,NYANGA EAST,NYANGA,7750,WC 92 EMMS DR,NYANGA,CAPE TOWN,7750,WC N92 EMMS DR,NYANGA EAST,NYANGA,7750,WC

3. YOUR EMPLOYMENT INFORMATION

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

Date 08/10/2010 24/12/2009 25/10/2007

Employer

Occupation ENGINEERS

BVI CONSULTING

WORKER LEVEL CIVIL TECHNOLIGIST

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Registered with the National Credit Regulator - Reg No.NCRCB4

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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 Judgment/s: Notice/s: Notarial Bond/s: Default/s: Trace Alert/s: Enquiries: Total Account History: 1. JUDGMENT/S

Number 1 0 0 0 1 7 8

Balance 2 227

Most Recent Date 06 Aug 2009

11 Oct 2010 86 825

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 indicate the date on which the data was captured on your TransUnion Credit Report.

Date of Action: Date of Capture: Defendant: Date of Birth: Defendant Address: Attorney: Court: Remarks:

06/08/2009 09/09/2009 JULY S 21/07/1977 GAYNOR SAAIMAN,0219482626 MAGISTERIAL - CAPE TOWN Nature of Debt: Plaintiff: Type: ID Number: Amount: Case Number: SERVICES RENDERED RAINBOW EDUCARE CENTRE JUDGMENTS 7707215655088 2227 22542 /09

_____________________________________________________________________________________________ 2. NOTICE/S
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.
***** No Notices To Display *****

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 the movable property.
***** No Notarial Bonds To Display *****

Printed:13-Oct-2010 11:20

Registered with the National Credit Regulator - Reg No.NCRCB4

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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 encforcement action such as, handed over the 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.
***** No Defaults To Display *****

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 to your credit report as they are unable to make contact with you due to outdated contact information.

Date: Credit/Service Provider:

29/06/2010 MBD BATCH

Type: Contact Person:

OTHER MBD SECURITISATI ON

Contact Tel No: Remarks:

011 5604235 Ref:

_________________________________________________________________________________________ 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.
***** No Consumer Remarks To Display *****

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 has 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 11/10/2010 10/10/2010 08/10/2010 06/08/2010 03/05/2010 29/09/2009 16/09/2009 21/10/2008

Enquirer BMW FINANCE CPU ABSA CPU RANDB THE MOTOR FINANCE STD BANK E PLAN STD BANK BAYSIDE DIRECT AXIS SA CONSUMER CREDIT TPN USER

Contact Tel No MATHEWS 0861 BMWFIN (269346) AVAF 0860669669 IMPERIAL BANK - KATLEGO KEKANA (011) 8799000 STANDARD BANK 011 999 9999 NASREEN (021) 4024114 DIRECTAXISDIRECDIRECTAXIS 021 6703404 CUSTOMER SERVICE 0860100558 LENCAR EXCLUSIVE PROPERTIES 0114323193

EnquiryType NORMAL ENQ NORMAL ENQ NORMAL ENQ NORMAL ENQ EMPLOYMENT NORMAL ENQ MICROLONE NORMAL ENQ

Printed:13-Oct-2010 11:20

Registered with the National Credit Regulator - Reg No.NCRCB4

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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 colour status codes. OK

Account up to date

30

60

90

120

150+

AA
Suspended

AC
Frozen

C
Account Closed / Paid Up

E
Terms Extended

F
Lapsed Policy

G
Cancelled by Consumer

H
Cancelled by Supplier

K
Paid Out Deceased Claime

Account Days in Arrears

M
Paid Out Disability

N
Loan Against Policy

P
Paid Up

S
Surrendered

T
Early Settlement

V
Cooling off Settlement

X
Paid Up Default

Z
Deceased

NU
Not Updated

L
Handed Over

I
Credit Card Revoked

J
Repossession

W
Written Off

STD BANK RCP (REVOLVING)

Account Information Date Opened: Monthly Instalments: Account Details Type of payment: No of Parties in Joint Account: Account sold to a Third Party: Third Party Name: Two Year Payment History
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 NU 60 90 90 60 90

12/12/2005 334

Opening Balance: Current Balance: Account Ownership:

15000 15581

0 No

Repayment Frequency: Deferred Payment Date:

___________________________________________________________________________________________________
STD BANK MASTERCARD (CREDIT CARD)

Nov 08

Dec 08

Jan 09

Feb 09

Mar 09

Apr 09

May 09

Jun 09

Jul 09

Aug 09

Sep 09

Oct 09

Nov 09

Dec 09

Jan 10

Feb 10

Mar 10

Apr 10

May 10

Jun 10

Jul 10

Aug 10

Sep 10

Oct 10

Account Information Date Opened: Monthly Instalments: Account Details Type of payment: No of Parties in Joint Account: Account sold to a Third Party: Third Party Name: Two Year Payment History
OK OK OK OK OK OK OK OK OK OK OK OK OK OK NU NU NU NU NU NU NU NU NU NU

05/03/2004 486

Opening Balance: Current Balance: Account Ownership:

7900 7987

0 No

Repayment Frequency: Deferred Payment Date:

___________________________________________________________________________________________________
AFRICAN BANK LTD (E) (CREDIT CARD)

Nov 08

Dec 08

Jan 09

Feb 09

Mar 09

Apr 09

May 09

Jun 09

Jul 09

Aug 09

Sep 09

Oct 09

Nov 09

Dec 09

Jan 10

Feb 10

Mar 10

Apr 10

May 10

Jun 10

Jul 10

Aug 10

Sep 10

Oct 10

Account Information Date Opened: Monthly Instalments: Account Details 12/09/2007 225 Opening Balance: Current Balance: 3000 3140

Printed:13-Oct-2010 11:20

Registered with the National Credit Regulator - Reg No.NCRCB4

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Type of payment: No of Parties in Joint Account: Account sold to a Third Party: Third Party Name: Two Year Payment History
OK OK OK 30 OK OK OK OK OK

Other 0 No

Account Ownership: Repayment Frequency: Deferred Payment Date:

Other Monthly

OK

OK

OK

OK

30

OK

OK

OK

OK

OK

OK

OK

30

NU

NU

___________________________________________________________________________________________________
AFRICAN BANK / CI

Nov 08

Dec 08

Jan 09

Feb 09

Mar 09

Apr 09

May 09

Jun 09

Jul 09

Aug 09

Sep 09

Oct 09

Nov 09

Dec 09

Jan 10

Feb 10

Mar 10

Apr 10

May 10

Jun 10

Jul 10

Aug 10

Sep 10

Oct 10

Account Information Date Opened: Monthly Instalments: Account Details Type of payment: No of Parties in Joint Account: Account sold to a Third Party: Third Party Name: Two Year Payment History
OK OK OK OK OK OK OK OK OK OK OK T NU NU NU NU NU NU NU NU NU NU NU NU

11/09/2007 0

Opening Balance: Current Balance: Account Ownership:

11000 0

0 No

Repayment Frequency: Deferred Payment Date:

___________________________________________________________________________________________________
AFRICAN BANK / CI

Nov 08

Dec 08

Jan 09

Feb 09

Mar 09

Apr 09

May 09

Jun 09

Jul 09

Aug 09

Sep 09

Oct 09

Nov 09

Dec 09

Jan 10

Feb 10

Mar 10

Apr 10

May 10

Jun 10

Jul 10

Aug 10

Sep 10

Oct 10

Account Information Date Opened: Monthly Instalments: Account Details Type of payment: No of Parties in Joint Account: Account sold to a Third Party: Third Party Name: Two Year Payment History
NU NU OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK NU NU NU

11/11/2008 811

Opening Balance: Current Balance: Account Ownership:

15000 7942

0 No

Repayment Frequency: Deferred Payment Date:

___________________________________________________________________________________________________
AFRICAN BANK / CI

Nov 08

Dec 08

Jan 09

Feb 09

Mar 09

Apr 09

May 09

Jun 09

Jul 09

Aug 09

Sep 09

Oct 09

Nov 09

Dec 09

Jan 10

Feb 10

Mar 10

Apr 10

May 10

Jun 10

Jul 10

Aug 10

Sep 10

Oct 10

Account Information Date Opened: Monthly Instalments: Account Details Type of payment: No of Parties in Joint Account: Account sold to a Third Party: Third Party Name: Two Year Payment History
NU NU NU NU NU NU NU NU NU NU NU OK OK OK OK OK OK OK OK OK OK NU NU NU

29/10/2009 1475

Opening Balance: Current Balance: Account Ownership:

40000 37302

0 No

Repayment Frequency: Deferred Payment Date:

___________________________________________________________________________________________________

Nov 08

Dec 08

Jan 09

Feb 09

Mar 09

Apr 09

May 09

Jun 09

Jul 09

Aug 09

Sep 09

Oct 09

Nov 09

Dec 09

Jan 10

Feb 10

Mar 10

Apr 10

May 10

Jun 10

Jul 10

Aug 10

Sep 10

Oct 10

Printed:13-Oct-2010 11:20

Registered with the National Credit Regulator - Reg No.NCRCB4

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AFRICAN BANK / CI

Account Information Date Opened: Monthly Instalments: Account Details Type of payment: No of Parties in Joint Account: Account sold to a Third Party: Third Party Name: Two Year Payment History
NU NU NU NU NU NU NU NU NU NU NU NU NU OK OK OK OK OK OK OK OK NU NU NU

07/12/2009 510

Opening Balance: Current Balance: Account Ownership:

9500 9409

0 No

Repayment Frequency: Deferred Payment Date:

___________________________________________________________________________________________________
BAYPORT FINANCIAL SE

Nov 08

Dec 08

Jan 09

Feb 09

Mar 09

Apr 09

May 09

Jun 09

Jul 09

Aug 09

Sep 09

Oct 09

Nov 09

Dec 09

Jan 10

Feb 10

Mar 10

Apr 10

May 10

Jun 10

Jul 10

Aug 10

Sep 10

Oct 10

Account Information Date Opened: Monthly Instalments: Account Details Type of payment: No of Parties in Joint Account: Account sold to a Third Party: Third Party Name: Two Year Payment History
NU NU NU NU NU NU NU NU NU NU NU NU OK OK OK OK OK OK OK OK OK OK NU NU

18/11/2009 721

Opening Balance: Current Balance: Account Ownership:

7500 5464

0 No

Repayment Frequency: Deferred Payment Date:

___________________________________________________________________________________________________

Nov 08

Dec 08

Jan 09

Feb 09

Mar 09

Apr 09

May 09

Jun 09

Jul 09

Aug 09

Sep 09

Oct 09

Nov 09

Dec 09

Jan 10

Feb 10

Mar 10

Apr 10

May 10

Jun 10

Jul 10

Aug 10

Sep 10

Oct 10

Printed:13-Oct-2010 11:20

Registered with the National Credit Regulator - Reg No.NCRCB4

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YOUR ACCOUNT HISTORY/PAYMENT PROFILE CODES GUIDE OK 30-150+ AA AC C E F G H I J K L M N P S T V W X Z NU

Your account payment is up to date The number of consecutive days that you have failed to make payment on your account Your account has been suspended by the credit/service provider Your account has been frozen by the credit/service provider Your account has been paid in full and is closed Your repayment terms have been extended by the credit/service provider Your insurance policy has lapsed due to non-payment You have cancelled your insurance policy The insurance company has cancelled your policy Your credit card has been revoked or cancelled by the credit/service provider Your goods have been repossessed A death claim has been paid to you as a principal/main beneficiary of a policy Your account has been handed over to an attorney or collection agency for recovery You have received a disability payout as the principal/main policy holder (Long Term Insurance only) You have been granted a loan against the outstanding value of your policy (Long Term Insurance only) Your revolving account has been paid in full and can become active again Your policy has been cancelled and your premium has been paid out 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 Your loan has been settled within the 5 day cooling off period Your account has been written off due to non-payment and will reflect on your credit report for 2 years You have fully paid your account after a status code of J (Repossession) or W (Written Off) on your Account History/Payment Profile TransUnion has received a notification from the credit/service provider that you are deceased

Not updated

DEFERRED PAYMENT GUIDE Quarterly: Bi-Annual: Annual:

You are required to pay your instalment every three months You are required to pay your instalment every six months 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 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 If an ownership type is not supplied for either a Sole Proprietor or a Joint Loan then the Ownership Type defaults to Other

Joint Loan:

Other:

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

Printed:13-Oct-2010 11:20

Registered with the National Credit Regulator - Reg No.NCRCB4

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