x A3 08 Bridging Pension - Policy 22 Apr 15

1 Dear Sir / Madam, Re. Bridging Finance Thank you for contacting us regarding your funding requirements. New Heights Finance ( ). is a facilitator of Bridging finance products, and we can assist by referring you to accredited lenders who provide Bridging finance, whilst you await the expected lump sum payout from the following: 1. Pension / provident fund - If you are awaiting Pension or provident fund payout following resignation, retrenchment, retirement or dismissal 2. Pension fund - divorce settlement - If you are awaiting payout from your ex-spouse's Pension fund 3. Death claims - If you are awaiting payout from your late spouse's Pension / provident fund 4. Policies / Investments - If you have a Policy or investment with Sanlam or Old Mutual, which is maturing within 4 months' time 5. Savings Policy Loans - If you have a Policy which is maturing within 4 months' time Please complete and sign the Application Form, Letter of Consent, GMT Consent Form, FAIS Document attached herewith (4 documents) and return them via fax or email together with the relevant supporting documents, to one of the fax numbers provided.

2 You may also email these to A consultant will contact you, please be ready to receive their call. Please note that the consultant's number will show as either 041 363 0245 or Private number . Bridging AMOUNT: 10% of the total lumpsum value due to you; up to a maximum of R32 000 can be advanced. COST STRUCTURE AND PROCESS. The application submitted by the prospective client, together with the relevant required supporting documents, is merely to collect information for the purpose of processing and approval of the application. No money will be disbursed yet. When approved, the client will be consulted by the financial provider. The process and cost structure will be discussed with the client and thereafter a detailed cost quotation/contract will be mailed/faxed to you to be able to make an informed decision. If the contract is accepted, signed, and returned to the financial provider, the loan will be disbursed. SUPPORTING DOCUMENTS REQUIRED: NOTE: Please ensure that all documents are legible.

3 If they are unclear or too faint, this causes delays in processing. 1. Pension / provident fund Your ID. 2-month current bank statement Last pay-slip Pension / Provident Fund benefit statement Letter from employer confirming and accepting severance package / medical disability (where applicable). Letter of appointment with new company (where applicable). Divorce settlement - if you are divorced In many instances Bridging can be arranged within 3-5 working days. The process in terms of time is determined by confirmation of client information and claim processing with fund administrators, HR departments, etc. Please fax documents to 086 521 1332 or 041 363 1456. Or call 041 363 0245 or e-mail to 2. 2. Pension Fund Divorce Settlement Your ID. 2-month current bank statement Ex-spouse's pay-slip Pension Fund benefit statement Divorce settlement 3. Death claims Your ID. 2-month current bank statement Beneficiary statement stating amount and distribution of monies Death certificate Divorce settlement where applicable Benefit statement from the fund of the deceased Latest pay slip of deceased if possible 4.

4 Policies / Investments Your ID. 2-month current bank statement Proof of Policy /investment from the Insurance company Proof of maturity date of Policy /investment 5. Savings Policy loans Your ID. 2-month current bank statement Proof of Policy /investment from the Insurance company Proof of maturity date of Policy /investment We look forward to assisting you and will do our best to secure a loan to your satisfaction. Yours faithfully New Heights Finance Please fax documents to 086 521 1332 or 041 363 1456. Or call 041 363 0245 or e-mail to New Heights 510 cc t/a New Heights Finance Reg No 2008 / 176089 / 023 VAT No 4490210012. PO Box 1583, Wandsbeck, 3631. Marlin Credit Services 17 Victoria Street LOAN APPLICATION FORM Fax: 041 363 1456. Reg. no.: 2000/012807/07. Oakdale, Bellville, 7530. NCRCP327. CLIENT DETAILS: FULL NAMES & SURNAME: BROKER: NEW HEIGHTS FINANCE. ID NUMBER: CLIENT PERSONAL EMAIL: HOME TEL. NO: TEL. NO. OF REFERRAL (if applicable): CELL NO: BROKER CODE: EC041.

5 MARRIED OR UNMARRIED: IF MARRIED, IN OR OUT OF COMM. PREVIOUSLY DIVORCED: Yes / No YEAR: IF DIVORCED, IN OR OUT OF COMM: ADDRESS DETAILS: CURRENT PHYSICAL ADDRESS: POSTAL ADDRESS: FUTURE ADDRESS: PERIOD OF RESIDENCE AT ABOVE ADDRESS: AS FROM: years months Month & year PROPERTY DETAILS: OWNED/RENTED: IF OWNED: IF RENTED, LANDLORD NAME: PURCHASE DATE: MARKET VALUE: CONTACT TEL. NO.: PURCHASE PRICE: BONDHOLDER: BOND OUTST.: EX - EMPLOYMENT DETAILS: COMPANY NAME: PERIOD OF EMPLOYMENT: COMPANY ADDRESS: REASON FOR LEAVING: EMPLOYEE NUMBER: LAST DAY OF SERVICE: COMPANY TEL. NUMBER: DISMISSAL REASON: NEW/CURRENT EMPLOYMENT DETAILS: COMPANY NAME: COMPANY TEL. NUMBER: BANKING DETAILS: NAME OF BANK: TYPE OF ACCOUNT: ACCOUNT NUMBER: BRANCH NAME: ACCOUNT NAME: BRANCH CODE: SPOUSE/PARTNER DETAILS: SPOUSE NAME&SURNAME: ID NUMBER: TEL. NUMBER: EMPLOYER NAME: EMPLOYER ADDRESS: EMPLOYER TEL. NUMBER: RELATIVES NOT LIVING WITH YOU (living at a different address): RELATIVE (1): RELATIVE (2): RELATIONSHIP: RELATIONSHIP: TEL.

6 NUMBER: TEL. NUMBER: ADDRESS: ADDRESS: LOAN DETAILS: LOAN AMOUNT REQUIRED: Reason for Business Education Consumption Housing Furniture Other If other: Loan: Please note that one of the conditions to your loan approval is that you must appoint a financial Services Provider (FSP), of your choice, registered with the financial Services Board (FSB). Do you have a FSB registered FSP? Yes No If No, do you want Marlin Credit Services (Pty) Ltd to refer you to a FSP / provide your details to a FSP in order to contact you? Yes No I hereby nominate .. as my FSB registered FSP. I HEREBY DECLARE THAT: I HEREBY CONSENT TO: 1) The information furnished herein is true and correct. 1) My personal and confidential information be collected and used accordingly, for my loan application. (credit checks). 2) I am not insolvent, nor is my estate under administration, nor 2) The above information be sent to/registered with the applicable have I applied for administration. credit bureaus on approval of my loan.

7 3) I authorize Marlin Credit Services (Pty) Ltd to make all enquires 3) My personal contact information may be supplied to the registered to its discretion to verify information in this application form. FSP referred to above. 4) I have my spouse's consent to apply for this finance (if married in community of property). APPLICANT SIGNATURE: DATE: FAIS ACT - Information Sheet What is the FAIS Act? The financial Advisory and intermediary Services Act, 2002 (FAIS Act), came into operation on 30 September 2004. The purpose of the FAIS Act is to protect consumers of financial services and to professionalise the financial services industry. To achieve this, the FAIS Act imposes certain requirements on providers of financial services to ensure that consumers receive proper financial advice, that they are provided with sufficient information to make informed investment decisions and that they are dealing with fit and proper advisors and intermediaries. Who can give advice and/or render intermediary services ( financial services)?

8 The FAIS Act requires that any person who gives advice and/or renders an intermediary service in respect of a financial product must be authorised as a financial services provider (FSP), or must be appointed as a representative of an authorised financial services provider (FSP}. Persons rendering financial services on behalf of an FSP are called FSP is authorised by the financial Services Board and representatives are appointed by the FSP. An FSP can be a natural person (sole proprietor} or a legal entity. An FSP must have one or more key individuals that are responsible for the management or oversight of that part of the business of the FSP relating to the rendering of financial services. The key individual of an FSP is subject to the approval of the financial Services Board to ensure that only persons who are fit and proper are appointed as such. It is the responsibility of the FSP to ensure that its representatives are fit and proper. This, among others, entails that the FSP must check that its representatives are persons who have character qualities of honesty and integrity and that they are competent to render financial services.))

9 What financial products are governed by the FAIS Act? The following products are regarded as financial products for purposes of the FAIS Act: 1. Any type of long-term insurance Policy (eg. life, disability, funeral cover and long-term savings plans). 2. Any type of short-term insurance Policy , including cover for personal and business purposes (eg. house, Household content, car insurance, cell phone and commercial etc.}. 3. Bank deposits (eg. call deposits, notice deposits and savings accounts). 4. Retirement and Pension fund benefits (retirement annuities, provident funds and Pension funds). 5. Collective Investment schemes (Unit trusts). 6. Securities and instruments, including shares, equities, derivatives, bonds and money market Instruments 7. Health Service benefits (hospital plans and medical aid plans). 8. Foreign investment business What should you check? You should check that the person providing the advice and/or rendering the intermediary service is either an FSP or a representative of an FSP and that he/she Is authorised to render financial services in respect of the financial product he/she wants you to invest in, buy or sell.)

10 Ask the following about the FSP: If the person rendering the financial service claims to be an FSP you can confirm the correctness thereof by doing the following: Ask for the FSP number - if he/she is authorised they should have an FSP number. o Phone the financial Services Board's Call Centre on 0800 202 087 I 0800 11O 443 and ask the operator to check whether the person you are dealing with is an FSP and whether he/she Is authorised to render financial services In respect of the financial product to which the service relate's or check the person's status on the financial Services Board's website - , select the FAIS link, then select "search for financial services providers" . Source.