WANDERERS OFFICE PARK, 52 CORLETT DRIVE, ILLOVO, 2196 WEB: WWW.MYTRANSUNION.CO.

ZA
PO BOX 4522, JOHANNESBURG, 2000 CALL CENTRE: 0861 482 482

Consumer Credit Report

Name: THANDIWE ZOYA

Date Requested: 2018/04/21 00:00

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.
 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: THANDIWE Surname: ZOYA

ID Number: 8507170319087 Marital Status: MARRIED
Date of Birth: 1985/07/17 No of Dependants: 00
Spouse Name: E-mail Address:
Current Tel No. (H): (041) 5072038 Current Tel No. (W): 043)7 004224
Previous Tel No. (H): (078) 2953439 Previous Tel No. (W): (041) 5075158
Cellular: 0766109161
Also Known as: THANDIWE YVONNE,,,T,,,MGENGO,THANDIWEYVONNE,TY,

2. YOUR ADDRESS INFORMATION

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

Date Address Years at Address Owner/Tenant

2018/02/09 4 BRIAN ST,SANDTON,,2196,GP 00

2017/12/06 1916 HSE,MDANTSANE,EAST LONDON,5219,EC 00
2017/04/07 12 MTENDWE ST,MOTHERWELL 7,MOTHERWELL,6211,EC 00 OWNER
2017/03/19 1100 MADLINGOZI ST,KWAZAKHELE,PORT ELIZABETH,6205,EC 12 OWNER

3. YOUR EMPLOYMENT INFORMATION

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

Date Employer Occupation

2017/12/18 MGENGTY001
2018/01/01 TRANSNET PROFESSIONAL
2017/05/03 TRANSNET ADMINISTRATION

Registered with the National Credit Regulator - Reg No : NCRCB4 Page 2 of 10

 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: 0 0.00

Notice/s: 0 0.00

Notarial Bond/s: 0

Default/s: 0 0.00

Trace Alert/s: 0

Enquiries: 4 14 Jan 2018

Total Account History: 11 775555.00

1. JUDGMENTS

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 OR until it is Paid In Full. 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. A judgment will be
removed when proof of full payment is received from the credit/service provider or when TransUnion is in receipt of a valid
court order rescinding the judgment.

***** No Judgment/s To Display *****

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 5 years, rehabilitation orders remain for 5 years and sequestration orders remain for 5
years if no rehabilitation order is granted.

***** No Notices To Display *****

3. NOTARIAL BONDS

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 *****

4. DEFAULTS

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. A default will remain on your credit report for 1 year. Paid up defaults are removed once
confirmation of paid up status is received from the credit/service provider.

***** No Defaults To Display *****

5. TRACE ALERTS

Registered with the National Credit Regulator - Reg No : NCRCB4 Page 3 of 10

 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.

***** No Trace Alerts To Display*****

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 1 year. 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: Enquirer: Contact Tel No: EnquiryType:
2018/01/14 RCS GENERAL PURPO RCS CARDS 021-597-4000 OTHER - AS
2017/12/18 ABSA CARD CREDIT CARD(CAPS) DEPARTMENT 03544001 OTHER - AS
2017/12/06 TELESURE GROUP SE HLPDSK 0114894308 OTHER - AS
2017/11/28 DIRECT AXIS - SL SANLAM DIRECT AXI 0164356 AFFORDABIL

Registered with the National Credit Regulator - Reg No : NCRCB4 Page 4 of 10

 SECTION C

TOTAL ACCOUNT HISTORY/PAYMENT PROFILE

A summary of your accounts including the date the account was opened, the credit limit, 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 30 60 90 120 150+ AA AC C E F G H K

Account up to Account Days in Arrears Suspended Frozen Account Terms Lapsed Cancelled Cancelled Paid Out
date Closed / Extended Policy by by Deceased
Paid Up Consumer Supplier Claim

M N P S T V X Z NU L I J W
Paid Out Loan Paid Up Surrendered Early Cooling off Paid Up Deceased Not Handed Credit Repossession Written
Disability Against Settlement Default Updated Over Card Off
Policy Settlement Revoked

MTN (OPEN ACCOUNT WITHOUT CREDIT LI)

Account Information
Date Opened: 2009/01/30 Opening Balance: 0.00
Instalments: 0 Current Balance: 0.00
Account Number: A2908199

Account Details
Type of payment: Other Account Ownership: Other
No of Parties in Joint Account: 0 Repayment Frequency: Monthly
Account sold to a 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 OK NU NU

May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr
16 16 16 16 16 16 16 16 17 17 17 17 17 17 17 17 17 17 17 17 18 18 18 18

NEDBANK CREDIT CARD (CREDIT CARD)

Account Information
Date Opened: 2012/10/30 Opening Balance: 46000.00
Instalments: 0 Current Balance: 0.00
Account Number: 5898460856069109

Account Details
Type of payment: Other Account Ownership: Other
No of Parties in Joint Account: 0 Repayment Frequency: Monthly
Account sold to a Third Party: No Deferred Payment Date:
Third Party Name:
Two Year Payment History

OK OK OK OK OK OK OK OK C NU NU NU NU NU NU NU NU NU NU NU NU NU NU NU

May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr
16 16 16 16 16 16 16 16 17 17 17 17 17 17 17 17 17 17 17 17 18 18 18 18

ABSA VEHICLE FINANCE (INSTALLMENT)

Registered with the National Credit Regulator - Reg No : NCRCB4 Page 5 of 10

 Account Information
Date Opened: 2015/04/21 Opening Balance: 212056.00
Instalments: 3680 Current Balance: 150447.00
Account Number: 86901850

Account Details
Type of payment: Other Account Ownership: Other
No of Parties in Joint Account: 0 Repayment Frequency: Monthly
Account sold to a Third Party: No Deferred Payment Date:
Third Party Name: 00
Two Year Payment History

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

May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr
16 16 16 16 16 16 16 16 17 17 17 17 17 17 17 17 17 17 17 17 18 18 18 18

ABSA PERSONAL LOANS (PERSONAL LOANS)

Account Information
Date Opened: 2016/04/23 Opening Balance: 61140.00
Instalments: 1419 Current Balance: 48518.00
Account Number: 3044422425

Account Details
Type of payment: Other Account Ownership: Other
No of Parties in Joint Account: 0 Repayment Frequency: Monthly
Account sold to a Third Party: No Deferred Payment Date:
Third Party Name:
Two Year Payment History

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

May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr
16 16 16 16 16 16 16 16 17 17 17 17 17 17 17 17 17 17 17 17 18 18 18 18

FNB HOUSING FINANCE (HOME LOAN)

Account Information
Date Opened: 2016/06/11 Opening Balance: 450000.00
Instalments: 4956 Current Balance: 436877.00
Account Number: 3000708604514

Account Details
Type of payment: Other Account Ownership: Joint Loan
No of Parties in Joint Account: 2 Repayment Frequency: Monthly
Account sold to a Third Party: No Deferred Payment Date:
Third Party Name:
Two Year Payment History

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

May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr
16 16 16 16 16 16 16 16 17 17 17 17 17 17 17 17 17 17 17 17 18 18 18 18

ABSA CREDIT CARD (CREDIT CARD)

Account Information
Date Opened: 2016/07/07 Opening Balance: 48000.00
Instalments: 1543 Current Balance: 46121.00
Account Number: 4550270490781000

Account Details
Type of payment: Other Account Ownership: Other

Registered with the National Credit Regulator - Reg No : NCRCB4 Page 6 of 10

No of Parties in Joint Account: 0 Repayment Frequency: Monthly
Account sold to a Third Party: No Deferred Payment Date:
Third Party Name:
Two Year Payment History

NU NU P OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK P OK NU

May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr
16 16 16 16 16 16 16 16 17 17 17 17 17 17 17 17 17 17 17 17 18 18 18 18

HOLLARD LIFE ASSURANCE (LONG TERM INSURANCE)

Account Information
Date Opened: 2016/08/01 Opening Balance: 0.00
Instalments: 575 Current Balance: 575.00
Account Number: 13455913

Account Details
Type of payment: Staff Account Account Ownership: Other
No of Parties in Joint Account: 0 Repayment Frequency: Monthly
Account sold to a Third Party: No Deferred Payment Date:
Third Party Name:
Two Year Payment History

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

May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr
16 16 16 16 16 16 16 16 17 17 17 17 17 17 17 17 17 17 17 17 18 18 18 18

DIRECT AXIS SANLAM PERSON (PERSONAL LOANS)

Account Information
Date Opened: 2016/11/01 Opening Balance: 76197.00
Instalments: 0 Current Balance: 0.00
Account Number: BIU87217T

Account Details
Type of payment: Other Account Ownership: Other
No of Parties in Joint Account: 0 Repayment Frequency: Monthly
Account sold to a Third Party: No Deferred Payment Date:
Third Party Name:
Two Year Payment History

NU NU NU NU NU NU OK OK OK OK OK OK OK OK OK OK OK OK T NU NU NU NU NU

May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr
16 16 16 16 16 16 16 16 17 17 17 17 17 17 17 17 17 17 17 17 18 18 18 18

ABSA CREDIT CARD (CREDIT CARD)

Account Information
Date Opened: 2017/04/08 Opening Balance: 25000.00
Instalments: 744 Current Balance: 18664.00
Account Number: 4550270524296000

Account Details
Type of payment: Other Account Ownership: Other
No of Parties in Joint Account: 0 Repayment Frequency: Monthly
Account sold to a Third Party: No Deferred Payment Date:
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 P OK NU

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

Registered with the National Credit Regulator - Reg No : NCRCB4 Page 7 of 10

 16 16 16 16 16 16 16 16 17 17 17 17 17 17 17 17 17 17 17 17 18 18 18 18

DIRECT AXIS SANLAM PERSON (PERSONAL LOANS)

Account Information
Date Opened: 2017/11/28 Opening Balance: 75000.00
Instalments: 2634 Current Balance: 74157.00
Account Number: BKU31601K

Account Details
Type of payment: Other Account Ownership: Other
No of Parties in Joint Account: 0 Repayment Frequency: Monthly
Account sold to a 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 OK OK OK OK OK NU

May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr
16 16 16 16 16 16 16 16 17 17 17 17 17 17 17 17 17 17 17 17 18 18 18 18

TELKOM NGN (OPEN ACCOUNT WITHOUT CREDIT LI)

Account Information
Date Opened: 2017/12/15 Opening Balance: 0.00
Instalments: 196 Current Balance: 196.00
Account Number: 502721522

Account Details
Type of payment: Other Account Ownership: Other
No of Parties in Joint Account: 0 Repayment Frequency: Monthly
Account sold to a 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 OK NU NU NU

May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr
16 16 16 16 16 16 16 16 17 17 17 17 17 17 17 17 17 17 17 17 18 18 18 18

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)

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 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

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”

PROCESS TO DISPUTE INFORMATION OR LOG A QUERY ON YOUR CREDIT REPORT

If you do not recognise information on your credit report or believe an item may be inaccurate, you may log a dispute or query with TransUnion.
You may do this by visiting our website or contacting our Call Centre.

Note: To log a dispute or query information contained in your credit report, you need a credit report that is less than 3 months old.

What is a Dispute?: A challenge to the accuracy (correctness) of information appearing on your credit report such as a default/judgment listing or
inaccurate account history information.
What is a Query?: A request to amend the content of information on your credit report such as personal information updates, including your
phone number, rescissions, identity queries and enquiries done on your credit report. It is not a challenge to the accuracy of information on your
credit report.

How to log a dispute or query via our website:

• Log onto www.mytransunion.co.za.

• Select the Challenge Report link at the top of the page and select the Challenge Process tab.

• Complete the Challenge Form and submit.

• TransUnion call centre agent will contact you within 48 hours supplying you with a TransUnion reference number.

• Once you have a TransUnion reference number, submit all supporting documentation around your challenge, a copy of your identity
document and proof of address to TransUnion on Fax: 011 388 4193 (please include your TransUnion reference number on all documents).
• Allow 20 days for TransUnion to resolve your dispute or query.

• If you are dissatisfied with the outcome, please contact the Credit Ombud on 0861 662 837 or at www.creditombud.org.za for further
assistance.

How to log a dispute or query via our Call Centre:

• Our Call Centre number is 0861 482 482 and please choose option 2.

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• The agent will run through the process with you and will confirm the information required to submit your dispute or query.

• You will be supplied with a TransUnion reference number.

• Allow 20 days for TransUnion to resolve your dispute or query.

• If you are dissatisfied with the outcome, please contact the Credit Information Ombud on 0861 662 837 or at
www.creditombud.org.za for further assistance.

To find out more, visit www.transunion.co.za

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