Blink Finance (Pty) Ltd

Unit 15 Kingfisher Building, Hazeldean Office Park

Silver Lakes Road, Silver Lakes
Pretoria | Gauteng | South Africa
Email: info@blinkfinance.co.za | Website: www.blinkfinance.co.za
Tel: +27 12 534 3863
NCRCP12599 | Reg No.: 2019/127670/07

Annexure “A”
IN SUBSTANTIAL COMPLIANCE WITH FORM 20 (NATIONAL CREDIT ACT, 34 OF 2005)

ACCOUNT NO: 988944

AGREEMENT NO: 1
DATE: 26 June 2023

PRE-AGREEMENT STATEMENT & QUOTATION FOR SMALL CREDIT AGREEMENTS

in terms of section 92 of the National Credit Act 34 of 2005

Name of Credit Provider: Blink Finance (Pty) Ltd

Physical address: Unit 15 Kingfisher Building, Hazeldean Office Park, Silver Lakes Road, Silver Lakes, Pretoria

Credit Provider Contact Number: 012 534 3863

Registration Number: 2019/127670/07

NCR Number: NCRCP12599

PSSF Number: B11959

CONSUMER INFORMATION:

Name of Consumer: Brendon Smith

Physical Address: (chosen Domicilium Citandi et

45 Durban street , Greytown, Greytown , Kwazulu-natal, 3250
Executandi – for service of all legal process and notices)

Contact Number of Consumer: 0656802754

Identity Number of Consumer: 8111175292082

Email Address of Consumer: davidbakery05@gmail.com

Consumer’s Employer: Skateistan South Africa

Employer Contact Number: 0687934807

Consumer Bank Account Name: Capitec Bank

Bank Account Number: 1993045919

Account Type: savings

Payment Frequency: Monthly

SUMMARY:

Interest rate Annual interest rate Payment frequency Payment method Loan Reason First due date Last due date Terms CCM TCC

5.00 60.00 Monthly Debit Order Other 2023-07-25 2023-07-25 1 1.31 342.9

CREDIT AGREEMENT BREAKDOWN:

Amount of Credit Advanced R1,100.00

Initiation Fee (if Consumer declined the offer to make payment separately) R165.00

Monthly Administration Fee R70.00

Total Interest Charged R62.75

Value Added Tax (VAT) R35.25

Other Costs (e.g. Required Insurance, if Consumer elected not to obtain own insurance) R9.90

Instalment Payable (including interest, fees & required insurance, if applicable): INSTALMENT FREQUENCY = Monthly R1,442.90

TOTAL AMOUNT REPAYABLE BY CONSUMER: (including interest, fees & required insurance, excluding optional insurance) R1,442.90

ADDITIONAL INFORMATION & OPTIONAL ITEMS:

The Consumer elected to make payment by means of Electronic Debit Order and has entered into a services agreement with Rent Pay (Pty)
YES
Ltd for purposes of such service.

The Consumer has elected to implement a Stop Order at its own cost. NO

The Consumer has elected to implement its own debit order at its own cost. NO

Monthly fee payable to Rent Pay (Pty) Ltd by Consumer R59.01

Value Added Tax (VAT) R35.25

TOTAL AMOUNT OF OPTIONAL ITEMS R59.01

FUTURE INFORMATION ON RIGHTS AND OBLIGATIONS

This quotation is binding for 5 (FIVE) days and will only entered into with the Borrower subject to the Lender conducting an affordability assessment in respect of the Borrower, and same having a
favourable outcome.

Signed at GREYTOWN on this the 26TH day of JUNE 2023

BRENDON SEYMOUR SMITH

BORROWER FOR AND ON BEHALF OF THE LENDER
 Blink Finance (Pty) Ltd
Unit 15 Kingfisher Building, Hazeldean Office Park
Silver Lakes Road, Silver Lakes
Pretoria | Gauteng | South Africa
Email: info@blinkfinance.co.za | Website: www.blinkfinance.co.za
Tel: +27 12 534 3863
NCRCP12599 | Reg No.: 2019/127670/07
IN SUBSTANTIAL COMPLIANCE WITH FORM 20 (NATIONAL CREDIT ACT, 34 OF 2005)

ACCOUNT NO: 988944

AGREEMENT NO: 1
DATE: 26 June 2023

SMALL CREDIT AGREEMENT

IN TERMS OF SECTION 93(2) OF THE NATIONAL CREDIT ACT, 34 OF 2005
Entered into by and between
Blink Finance (Pty) Ltd
Registration Number: 2019/127670/07
NCR Number: NCRCP12599
of Unit 15 Kingfisher Building, Hazeldean Office Park, Silver Lakes Road, Silver Lakes, Pretoria
(hereinafter referred to as “the Lender”)
and
Brendon Smith, with identity number: 8111175292082, and physical address and chosen domicilium citandi et executandi for purposes of service of any process or notices in terms of this
Agreement, at: 45 Durban street , Greytown, Greytown , 3250, Kwazulu-natal
(hereinafter referred to as “the Borrower”)

WHEREAS the Borrower has applied for credit with the Lender and the Lender has agreed to extend such credit to the Borrower, based upon the information supplied by the Borrower to the Lender.

AND WHEREAS the Lender has provided the Borrower with a Pre-Agreement Statement and Quotation (Annexure “A”), which the Borrower has read and understood, and the Borrower has freely and independently decided to accept the said Pre-Agreement Statement and Quotation.

NOW WHEREFORE I, the undersigned Borrower/Consumer, hereby agree with the Lender, as follows:

1. PARTIES TO THE AGREEMENT

1.1. Any reference to the “Borrower” shall also be regarded as referring to me, the Consumer;
1.2. Any reference to the “Lender” shall also be regarded as referring to the Credit Provider.
2. UNDERTAKING AND ACCEPTANCE
2.1. By appending my signature hereto, I confirm that:
2.1.1. I have accepted the Pre-Agreement Statement and Quotation (Annexure “A”); and
2.1.2. the terms and conditions of this Agreement have been explained to me; and
2.1.3. I have read and I fully understand the entire Agreement; and
2.1.4. I have been granted the opportunity to ask any and all questions that I may have had regarding the terms and conditions of this Agreement and I am satisfied that all such questions have been properly addressed and answered; and
2.1.5. I have entered into this Agreement out of my own free will and own fruition and have not been induced by the Lender or any other party to enter into this Agreement; and
2.1.6. I will immediately advise the Lender if any of my information changes; and
2.1.7. I know, understand and confirm that the granting of credit in terms of this Agreement, is as a result of my request for such credit, which has been granted by the Lender, using the information provided by me, and I confirm that all information provided to the Lender in lieu of
this Application, is accurate, true and correct; and
2.1.8. I understand that there are additional fees as a result of the credit advanced to the Borrower, which fees are included in the Pre-Agreement Statement and Quotation and I agree that such fees are both fair and reasonable.
3. CONFIRMATION
3.1. I confirm that I have informed the Lender of my financial situation in full, including but not limited to, my:
3.1.1. financial commitments and monthly living expenses (including the average monthly maintenance obligations whether formal or informal relating to a child, a spouse or another person); and
3.1.2. financial debt commitments; and
3.1.3. financial means and prospects, including net monthly income.
3.2. I have not entered into or applied for any other Credit Agreements between the time the Lender gave the Quotation and when I accepted it.
3.3. I am able to afford the repayments as set out herein and confirm that I understand the risks, costs, rights and obligations that apply to me because of this Agreement.
3.4. I understand the risks, costs, rights, obligations, cost of credit and credit cost multiple that apply to me because of this Agreement.
3.5. All documents provided to the Lender during the application, assessment and conclusion of this Agreement, are authentic.
3.6. I have full legal status and capacity to enter into and sign this Credit Agreement with the Lender.
3.7. Under the National Credit Act, 34 of 2005 (hereinafter “the Act”) and the Regulations thereto, the Lender must assess if I can afford this Agreement. To do this, I agree that the Lender will rely on the information I gave to it when I applied for this credit. If I did not give the Lender
all the information it required or if I lied or withheld information or confirmed incorrect or inaccurate information, the Lender has a complete defence against any allegation of reckless credit.
4. PAYMENT SCHEDULE & FEES
4.1. The payment schedule as per Annexure A hereto, being the Pre-Agreement Statement and Quotation, sets out the payment information relating to the agreement between the parties and forms part of this Agreement.
4.2. I acknowledge that the Lender charges fees in respect of this Agreement, which fees are regulated by the Act and the Regulations thereto.
4.3. I further acknowledge that the Lender is a Credit Provider, not a Payment Provider, nor is the Lender an Insurance Company and as such, the Credit Provider is unable to provide the services expected of insurance companies and payment providers.
4.4. Any introductions made to insurance companies and/or payment providers, are mere introductions and I am not required by the Lender to enter into agreements with such introduced parties and I may source such required services elsewhere and provide the Lender with proof of
such acquired services.
5. CONSENT
5.1. I consent to the Lender obtaining any information from my employer, inter alia, without derogating from the generality hereof, details pertaining to my salary/income, employment, residential address and best contact details.
5.2. In the event of me being married in community of property and my spouse's consent being required in respect of this Agreement, I warrant that my spouse's requisite consent, if any, will be provided within a reasonable time after such a request is made by the Lender. I irrevocably
indemnify the Lender against any loss or damage as a result of a failure to acquire or provide such consent.
6. STATEMENTS & COPY OF AGREEMENT
6.1. The Lender shall supply me with a copy of the duly executed Credit Agreement or, in the case of an electronic or telephone originated Credit Agreement, a copy of the transcribed Agreement.
6.2. The Lender will supply me with a Statement of Account on demand, for the duration of the Credit Agreement. I may, at any time, log into the Lender's online system, access my online profile and draw / view my applicable Statement of Account. I agree that this method of provision
of Statements of Account, is reasonable and in my best interest, as I can view the outstanding balance, as well as any charges or interest, at any time. If I have any questions or queries, I can contact the Lender at the details provided herein.
7. MARKETING
7.1. I have been advised of my right in terms of Section 74 of the Act to be excluded from any telemarketing campaign that may be conducted by or on behalf of the Lender, and/or from any marketing or customer list that may be sold or distributed by the Lender, other than as required
by the Act, and/or from any mass distribution of email or SMS messages.
7.2. I have agreed and consented that the Lender and any of its affiliates, associates and subsidiaries may send advertising and promotional material by email or SMS, using the information provided by me herein.
7.3. I consent to the Lender sending me SMS messages regarding the outstanding balance(s), instalment due dates, arrears payments, hand-overs, legal steps being taken, etc.
7.4. Should I hereafter wish to unsubscribe or opt-out from marketing as referred to herein above, I will contact the offices of the Lender.
8. EARLY SETTLEMENT
8.1. I understand that I may settle the full outstanding balance in terms of this Agreement, at any time, with or without prior notice to the Lender.
8.2. The Settlement Amount shall be the total of:
8.2.1. the unpaid balance of the principal debt, up to and including the date of settlement; and
8.2.2. the unpaid interest charges up to and including the settlement date; and
8.2.3. all other fees, charges and insurance payable by me to the Lender in terms of the Agreement, up to and including the settlement date.
9. CONSUMER'S RIGHT TO TERMINATE THE AGREEMENT
9.1. I may terminate this Agreement at any time, by paying the full settlement amount to to the Lender, in accordance with this Agreement and as stipulated herein above.
10. CREDIT PROVIDER'S RIGHT TO TERMINATE THE AGREEMENT
10.1. The Lender reserves the right, in terms of Section 123 of the National Credit Act, 34 of 2005 (hereinafter “the Act”), to terminate this Agreement and to proceed with debt enforcement procedures in terms of Section 129(1)(b) and Section 130(1) of the Act, which proceedings may
result in a Court of law enforcing the repayment of my outstanding obligation(s) in terms of this Agreement.
10.2. Any judgement of such Court, as aforesaid, may be recorded with/by Credit Bureaus, which information shall be made available to other credit suppliers.
11. PENALTY INTEREST ON ARREARS AMOUNTS
11.1. Should I default on my obligations in terms of this Agreement, I shall be liable for any pay interest, calculated on the total amount payable but unpaid at the same rate as set out in Annexure A, from the date of default to the date of full and final payment; and
11.2. The full outstanding balance of the capital, together with total cost of credit charges, including any unpaid accrued interest as well as any and all debt collection fees shall, at the sole discretion and instance of the Lender, immediately become due and payable.
12. PAYMENTS
12.1. Payment frequency in terms of this Agreement, as well as the date of first payment, date of last payment, and number of payments, shall be as per Annexure A, the content of which is incorporated herein as if specifically repeated.
12.2. I have voluntarily elected to the following payment option, at my own cost:
OPTIONS
a) To have a debit order instituted on my nominated bank account, for my convenience, using my own service provider; As such, I shall take any and all necessary steps to ensure that such debit order is implemented and shall provide the Lender with proof of the Mandate
documentation, before payment of the credit amount to me will be made.
b) To have a debit order instituted on my nominated bank account, for my convenience, using the Third Party Service Provider introduced to me by the Lender. (SELECTED)
c) To have a stop order instituted on my nominated bank account, for my convenience, at my banking institution; As such, I shall take any and all necessary steps to ensure that such stop order is implemented and shall provide the Lender with proof of the Mandate documentation,
before payment of the credit amount to me is made.
12.3. Payments will be allocated in terms of Section 126 of the Act, firstly towards payment of any due or unpaid interest charges, secondly toward any due or unpaid fees or charges, including legal costs, if any, and lastly, the capital/principal debt.
12.4. The Lender will accept any payment made under this Agreement when it is tendered, even if such payment is made before the date on which the payment becomes due and payable.
13. DEFAULT ADMINISTRATION CHARGES
13.1. The Lender may, in terms of Section 101 of the Act, charge Default Administration Charges, in the event that I have defaulted on my payment obligations in terms of this Agreement, in respect of each letter necessarily written in terms of Part C of Chapter 6 of the Act.
13.2. The default administration charges shall not exceed the amount payable at the prevailing tariff in respect of a registered letter of demand in an undefended action in terms of the Magistrate's Court Act, as well as any reasonable and necessary expenses incurred to deliver such
letter.
14. INSURANCE
14.1. Please note, Blink Finance loans has insured your debt with New Era Life on an entire book basis. This insurance covers the amount of the debt outstanding at the time of your death, retrenchment, loss of income or temporary or permanent disability. For More information visit
https://groupsrus.co.za/docs/Group%20Credit%20Life%20Disclosure.pdf. Please note that you will not be responsible for paying the premium attributable to this policy and it is included as a service to all of our clients at no additional charge to your debt repayment
15. DEFAULT AND BREACH OF THIS AGREEMENT
15.1. Where the Agreement refers to me being in default, I understand that it means that I have failed to pay an amount owing to the Lender when it is due, in terms hereof.
15.2. If I am in default under this Agreement, the Lender will inform me of this in writing by means of a Section 129(1)(a) Notice. This notice will give me at least 10 (TEN) days to rectify the default (make the required payments), refer this Agreement to a Debt Counsellor to develop
and agree on a plan to bring the payments under this Agreement up to date, or to refer the matter to a process of Alternative Dispute Resolution.
15.3. If I am in default for more than 20 (TWENTY) business days and I do not follow the options given to me as contemplated in Section 129(1) of the Act, the Lender may approach a Court of competent jurisdiction for an order to enforce the terms of this Agreement, including, but
not limited to, a claim and judgment for all outstanding amounts and/or damages.
15.4. If this Agreement is being reviewed under Section 86 of the Act, and 60 (SIXTY) business days after the date on which I applied for the debt review has passed, and I am in default of this Agreement, the Lender may give notice of termination of the debt review in terms of
Section 86(10) of the Act. The debt review may not be terminated if an Application has already been issued, served and filed.
15.5. Where this Agreement refers to me being in breach, I understand that it means that I have done or allowed any one or more of the following things:
15.5.1. I failed to adhere to the terms and conditions of this Agreement;
15.5.2. I failed to maintain adequate Credit Life Insurance as required in terms of this Agreement;
15.5.3. a judgment is given against me and I have not satisfied that judgment within 15 (FIFTEEN) calendar days thereafter;
15.5.4. I committed an act of insolvency mentioned in the Insolvency Act, 24 of 1936, as amended;
15.5.5. I have provided information in my Application to the Lender or any of its subsidiaries that is incorrect, inaccurate or I have failed to disclose important information that would have influenced the Lender's decision to grant any credit;
15.5.6. I do or allow anything to be done that may prejudice the Lender's rights or interests;
15.5.7. My estate becomes finally sequestrated.
15.6. If I am in default or breach of this Agreement, the Lender may take the steps set out in Part C of Chapter 6 of the Act.
15.7. If I am in default or breach of this Agreement, then without affecting the Lender's other rights in contract or in law, the Lender may immediately claim repayment of the full outstanding principal debt, plus interest and other fees and charges.
15.8. I agree to pay all reasonable costs of the collection of the outstanding amount and further agree to pay all legal costs on a scale as between Attorney and Client, including debt collectors' fees, collection commission and tracing fees, as may become applicable.
16. SHARING OF INFORMATION
16.1. The Credit Bureau provides a credit profile on people and potentially a credit score / rating on the creditworthiness of individuals. I have the right to contact any credit bureau to ask for information about my credit record and to correct any information that may be wrong. I agree
that the Lender may share the following information with the Credit Bureaux, as well as other divisions of the Lender and its subsidiaries and/or affiliates:
16.1.1. Information about my non-compliance with the terms and conditions of this Agreement;
16.1.2. Information about my application for credit, the opening of the account with the Lender and my or the Lender's termination of this Agreement;
16.2. I will receive at least 20 (TWENTY) business days' written notice of the Lender's intention to submit adverse information about me to a credit bureau. The Lender shares with and obtains information from registered credit bureaux in the Republic of South Africa. The details of
these bureaux can be obtained from the web site of the National Credit Regulator at www.ncr.org.za.
16.3. For the Lender to consider my application for any of the Lender's products or services or to continue a relationship with me, I agree that the Lender may, as part of the Lender's normal checking and account maintenance processes, do the following:
16.3.1. get certain of my personal information from third parties (such as government agencies, credit bureaux, etc.);
16.3.2. disclose some of my personal information to these parties to get the information the Lender may need. If the Lender does this, the Lender will never disclose or ask for more information than the Lender needs. More information about the Lender's privacy policies and
practises can be obtained from the Lender's website at www.blinkfinance.co.za
17. COMPLAINTS
17.1. Complaints may be directed to the Lender at the contact details provided for in this Agreement, or at www.blinkfinance.co.za
17.2. Should I wish to file a complaint against the Lender at the National Credit Regulator, I may do so by submitting a completed Form 29 to the National Credit Regulator by fax, mail or email, or by contacting them by telephone on 0115542700. The contact information and
prescribed forms can be obtained from the web site at www.ncr.org.za
18. CESSION
18.1. I understand that I may not cede any rights or delegate any obligations in terms of this Agreement.
18.2. The Lender may, and without notice to me, cede, delegate or assign all the Lender's rights and obligations in terms of this Agreement to a third party.
19. DOMICILIUM CITANDI ET EXECUTANDI
19.1. The Lender chooses its address as stipulated herein above, as the Lender's elected address where any and all pleadings, process, documents and notices may be served, in relation to this Agreement.
19.2. I choose the address stipulated herein above, as my elected address where any and all pleadings, process, documents and notices may be served, directly or indirectly in relation to this Agreement.
19.3. If I wish to amend or change this address, I am required to notify the Lender in writing of such change. In terms of Section 96 of the Act, such notice may be delivered by hand, registered mail or electronic mail.
19.4. If I send the notification via email (preferred), the change will become effective on the date that the email was transmitted, however if the notification was sent via registered post, the change will become effective on the date of receipt of the notification. Where the notification is
delivered by hand, the change will take effect on the date on which the receiving party receives the notification.
19.5. Should I fail to notify the Lender of any change, the chosen address as per this agreement shall remain in full force and effect.
19.6. Should I fail to timeously notify the Lender of any change, I undertake to be held fully and lawfully indebted to the Lender, for any and all costs, expended by the Lender to track and trace me.
20. GENERAL
20.1. This Agreement constitutes the entire agreement between the parties.
20.2. While the Lender may allow me extra time to comply with my obligations under this Agreement, or decide not to exercise some or all of the Lender's rights under this Agreement, the Lender can still insist on the strict application of any or all of the Lender's rights at a later stage. I
shall not assume that this means that the Agreement has been changed or that it no longer applies to me.
20.3. No changes to the terms or conditions of this Agreement will be legally binding unless it is recorded, signed by both parties or voice-logged. A change to an existing Agreement, or a deferral or waiver of an amount under an existing agreement, is not to be treated as creating a
new agreement if the change, deferral or waiver is made according to the Act or this Agreement.
20.4. A certificate signed by any authorised employee of the Lender, will be evidence of this Agreement with me, my account, what I owe the Lender, the interest rate that applies and any other matter arising from this Agreement with me, unless I can prove otherwise. The Lender will
not need to provide the appointment, authority or signature of the authorised employee signing the certificate.
20.5. Should any provision or portion of this Agreement be unenforceable by law, be determined void or voidable, such provision shall by no means affect the enforceability of the agreement as a whole and shall such clause or provision be severable from the remaining provisions
hereof.

Signed at GREYTOWN on this the 26TH day of JUNE 2023

BRENDON SEYMOUR SMITH

BORROWER FOR AND ON BEHALF OF THE LENDER
 WRITTEN AUTHORITY - THIRD PARTY REPAYMENT AGREEMENT & MANDATE
FIXED DEBIT INSTRUCTIONS
RENT PAY (PTY) Ltd: 2012/018375/07 | PASA: SO00022
Address: P.O. Box 2645 | The Reeds | Centurion | 0158
Phone +27 (0) 12 665 0319
Fax 086 575 3270
mandate@acpas.co.za

ACCOUNT NO: 988944

AGREEMENT NO: 1
DATE: 26 June 2023
A. AUTHORITY
CUSTOMER DETAIL
Employer Name: Skateistan South Africa
Name & Surname: B Smith
Employee No: NONE
Address: 45 Durban street , Greytown, Greytown , Kwazulu-natal, 3250
Bank Name: capitec_bank
ID no: 8111175292082
Account No: 1993045919
Contact Number: 0656802754
Account Type: savings
Payment Frequency: MONTHLY
Date Adjustment Rule (Tick which option is applicable): (X) Yes OR ( ) No
Collection date: 2023-06-26
PAYMENT SCHEDULE

FIRST DEDUCTION LAST DUE AGREEMENT TPPP FEE PER TOTAL AGREEMENT TPPP FEE TOTAL AMOUNT TO BE PROVIDER
TERMS
DATE DATE INSTALMENT INSTALMENT INSTALMENT TOTAL TOTAL COLLECTED NAME

2023-07-25 2023-07-25 1 R1,442.90 R59.01 R1,501.91 R1,442.90 R59.01 R1,501.91 RENT PAY

BANK STATEMENT REFERENCE: PM8@BLINKF

I the customer, as listed above, hereby declare and agree: That this signed Authority and mandate, dated Monday, 26 June 2023 (“the Agreement”) is the binding Third-Party Repayment Agreement and Mandate between myself (the customer) and RENT PAY (PTY) LTD. I understand that
this agreement also refers to the separate agreement between myself and Blink Finance (PTY) LTD dated: Monday, 26 June 2023. and may also include value-added products from other service providers that I may have selected voluntarily to form part of this agreement.

It is duly recorded that this agreement is a binding agreement entered into, between myself and RENT PAY (PTY) LTD, for the Third-party payment services offered by RENT PAY (PTY) LTD to me. I understand that RENT PAY (PTY) LTD is a registered Third-Party Payment Provider with
the Payment Association of South Africa. I hereby appoint RENT PAY (PTY) LTD as my Payer Service Provider and instruct RENT PAY (PTY) LTD to facilitate all payment processes and obligations on my behalf, to the benefit of Blink Finance (PTY) LTD, and any other service providers
that I may have selected any value added products from, that I instruct you to form part of this agreement, as agreed to in detail, in the separate agreement between myself, Blink Finance (PTY) LTD and any other service providers that I may have selected voluntarily.

This agreement also stipulates the Third-Party Service Provider Fees, (TPPP FEES) payable by me to RENT PAY (PTY) LTD for the payment collection service, provided to me by RENT PAY (PTY) LTD. I agree that, I am indebted for the total amount as set out in the table above. I declare
that I have entered into a separate Agreement with Blink Finance (PTY) LTD and other service providers that I may have selected and hereby instructs RENT PAY (PTY) LTD to process my payment obligations to Blink Finance (PTY) LTD any other service providers that I may have
selected to the benefit of Blink Finance (PTY) LTD the other service providers that I may have selected. I agree that RENT PAY (PTY) LTD is entitled to Third Party Service Provider Fees for the processing of every payment obligation, as contained in this agreement. I also declare that I am
aware that there are multiple payment methods available to me, in order to repay my payment obligations to Blink Finance (PTY) LTD and other service providers. I declare that I have selected to make use of this payment service, offered by RENT PAY (PTY) LTD out of my own free will
and have not been induced or required by anyone in any way to enter into this agreement. I agree to the payment of the Third-Party Service Provider Fees (TPPP FEES) to RENT PAY (PTY) LTD, as set out above for this service, subject to the terms and conditions set out in this contract.

In terms of the Agreement between Customer and RENT PAY (PTY) LTD, the Customer agrees as follows:

1. The Customer acknowledges and agrees to the payment obligations of the Third-Party Service Provider Fees (TPPP FEES) to RENT PAY (PTY) LTD as contained in the above Payment Schedule;
2. This contract excludes all details of the credit costs and obligations between the Customer and Blink Finance (PTY) LTD and any other service providers selected additionally as contained in separate Agreements;
3. The Customer instructs and agrees that both the Credit obligations as well as the Third-Party Service Provider Fees, as stipulated separately in the Payment Schedule above, will be processed as one single transaction to the total amount of which is specified above.
4. The contract excludes all bank charges agreed to between the Customer and his/her bank.

I/We hereby instruct and authorize you the issue and deliver payment instructions to your banker for collection against my/our abovementioned account at my/our abovementioned bank (or any other bank or branch to which I/we may transfer my/our account) on condition that the sum of
such payment instructions will never exceed my/our obligations as agreed to and commencing on 2023-07-25 and continuing until the Authority and Mandate is terminated by me/us by giving you notice in writing of not less than 20 (twenty) ordinary working days, and sent by prepaid
registered post or delivered to your address indicated above.

I/we herewith agree that the instalment amount is a fixed recurring amount for R1,501.91
which must be issued and delivered as follows: monthly. I/we acknowledge that in the event of a re-presentment the maximum instalment amount may be up to 1.5 times the aforementioned instalment amount.

The date adjustment rule will be applicable. In the event that the payment day falls on a Sunday or recognized South African public holiday, the payment day will be up to two days preceding the Sunday or public holiday. Payment instructions due in December may be debited against the
account on 13 December 2023

If there are insufficient funds in the nominated account to meet the obligation, I authorize you to track my account and re-present the instruction for payment as soon as sufficient funds are available in my account. I/We understand that the withdrawals hereby authorized will be processed
through a computerized system provided by the South African Banks. I also understand that details of each withdrawal will be printed on my bank statement. Such must contain a number; which number must be included in the said payment instruction and if provided to me should enable
me to identify the Agreement. The Agreement number is stated in Section F, in this agreement and has been communicated to me directly after having been issued.

I/We understand that my/our bank will send me/us an instruction to authenticate this mandate. Should I/we fail to authenticate the mandate, this payment instruction will be processed in a different payment stream. Confirmation of my Authority and the mandate will be sent to me in writing
prior to processing the debit order against my account.

B: Mandate
I/We acknowledge that all payment instructions issued by you shall be treated by my/our above-mentioned bank as if the instruction had been issued by me/us personally and I/we hereby authorize the bank to debit my account.

C: Authorization
I/We acknowledge that my bank will send an instruction to authenticate this mandate and should I/we fail to authenticate the mandate, this payment instruction will be processed in a different payment stream.

D: Cancellation
I/We agree that although this Authority as mandate may be cancelled by me/us, such cancelation will not cancel the Agreement. I/We shall not be entitled to any refund of amounts which you have withdrawn while this authority was in force, if such amounts were legally owing to you.

E: Assignment
I/We acknowledge that his authority may be ceded or assigned to a third party if the Agreement is also ceded or assigned to that third party, but in the absence of such assignment of the Agreement, this Authority and Mandate cannot be assigned to any third party.

F: Agreement reference number: This agreement reference number is: 988944_1

Signed at GREYTOWN , on MONDAY, 26 JUNE 2023

BRENDON SEYMOUR SMITH

RENT PAY (PTY) LTD Signature Customer Signature
Groups Are Us (Pty) Ltd t/a Groups R Us
FSP No: 45735 Reg: 2020/553498/07
Tel: 0861 273 342 fax: 012 347 3345
compliance@groupsrus.co.za; claims@groupsrus.co.za
Monpark Building, 76 Skilpad Avenue, Monument Park, Pretoria
www.groupsrus.co.za

POLICY CERTIFICATE

CREDIT PROTECTION POLICY NUMBER: 8111175292082 CERTIFICATE OF COVER

This Certificate of Cover, in conjunction with the policy wording, forms the basis of the Insurance Agreement. You may request a copy of the policy wording from the Credit Provider. In the event of any discrepancy between
this Certificate of Cover and the policy wording, the terms of the policy wording will prevail.

Credit Provider: Blink Finance

Underwriter: New Era Life Company (Soc) Limited, registration number 1979/001632/06 and FSP number 2736

Note All benefits will be paid according to the policy wording which was received with the policy certificate

Title: Full Names: Brendon

Surname: Smith Identity Number: 8111175292082

PREMIUM DETAILS:

Premium for Insurance per instalment: R9.90

Sum Assured: R1,442.90
Total Premium for Insurance for contract: R9.90

Commencement of Credit Agreement: 2023-07-25 Termination of Credit Agreement: 2023-07-25

COMMENCEMENT OF INSURANCE:

Note that cover shall begin on the date of commencement of the Credit Agreement. Premiums are payable monthly in arrears, starting on the commencement of the Credit Agreement, and monthly thereafter on the same
day as the Credit Instalment is payable. However, a period of 30 (Thirty) days grace is allowed for the payment of each premium due and payable.

EXPIRY OF INSURANCE COVER

All benefits and premiums will cease to be payable on the termination of the Credit Agreement, or upon the events as described in the policy wording.

MAXIMUM COVER AMOUNTS

Please note the maximum cover amount is R60 000 for individuals aged 75 and less, and R30 000 for individuals aged 76 and older, irrespective of the number of policies held

BENEFITS:

The Policyholder is covered for the following claim events, as defined in the policy wording: Death, Total Permanent Disability, Temporary Total Disability, Retrenchment

EXCLUSIONS:

Please note that benefits are subject to exclusions, as contained in the policy wording. Please refer to the policy wording for more information.

NOMINATION OF BENEFICIARY:

Full Names: david Surname: Baker

ID No: - Relationship: Brother Date of Birth: -

Postal Address: - Code: -

Telephone: (W) - (H) - (C) 0687934807

DECLARATION BY INSURED PERSON

I understand, and/or agree, and/or declare the following:
All the information supplied or to be supplied in connection with this Proposal Form, whether in my handwriting or not, is true and complete and will form the basis of the Policy.
This Policy has been effected by me voluntarily and has not been made a condition of granting of credit by the Credit Provider.
Apart from any doctor, or other person or institution is authorised before and after my death to disclose any information concerning my health, including the results of any blood tests, to the Underwriter.
This Policy consists of the Application for Insurance, the terms, conditions, and exceptions, which appear herein.
I hereby cede, transfer, assign and make over and in favour of the Credit Provider all my rights, title and interests in and to this Policy as collateral security for all amounts owing to the Credit Provider arising from the
Credit Agreement.
I confirm that I have received the following information:
Groups Are Us t/a Groups R Us Credit Protection Plan: Policy Wording
Financial Advisory and Intermediary Services Disclosure Notice
Policy Certificate
I agree that if the above declaration is not correct, then the insurance shall be null, and void and all premiums paid by me will be forfeited.

Signed at GREYTOWN on this the 26TH day of JUNE 2023

BRENDON SEYMOUR SMITH

Signature of Policyholder
 GROUPS R US CREDIT PROTECTION PLAN | UNDERWRITTEN BY NEW ERA LIFE (SOC) LIMITED

GENERAL OPERATIVE CLAUSE

Whereas the Insured named in the Schedule has applied to New Era Life (Soc) Limited hereinafter referred to as the Insurer) for the insurance as defined and in consideration of which cover has been granted. It is hereby
agreed that:
In consideration of the payment of the Premium and subject to the Exceptions and Conditions of the Policy, the Insurer agrees to pay the Benefits as described in respect of the events covered by and occurring during the
Contract Period of the Policy. This Policy should be read as one contract and any word or expression to which a specific meaning has been attached in any part thereof shall bear the same meaning wherever it may appear.
Specific Exceptions and Conditions shall override General Exceptions and Conditions.
DEFINITIONS

BENEFICIARY The person nominated by the Insured to receive policy benefits.

CAPITAL AMOUNT Shall mean the loan amount as reflected in the Credit Agreement granted by the Credit Provider.

COMMENCEMENT DATE Shall mean the date on which the policy commences.

CONTRACT PERIOD Shall mean the term of the Credit Agreement.

Shall mean the Agreement entered into between the Insured and the Credit Provider in respect of credit advanced to the Insured by the Credit Provider in terms of a credit transaction
CREDIT AGREEMENT
as defined in section 8 of the National Credit Act.

CREDIT PROVIDER Shall mean the financial institution stated in the Pre-Agreement and Quotation Form.

DEFERRED AMOUNT Shall mean the Capital Amount plus Initiation Fee at loan origination (if the insured has elected to defer the initiation fee)

Shall mean the balance owing to the Credit Provider under the terms of the Credit Agreement as at the date of Death, Disability or Retrenchment of the Insured with regards to the due
OUTSTANDING BALANCE
and payable Capital Amount, Initiation Fee and Monthly Fees.

PERIOD OF INSURANCE Shall mean the period for which premiums remain paid and the Policy remains in force. This is also in line with the Contract Period.

Shall mean the Total Outstanding Balance of the Credit Agreement plus additional cost at inception, consisting of the initial Capital borrowed and Loan Costs which consists of the
SUM ASSURED
Initiation Fee, Interest Expense and Monthly Fees charged.

THE INSURED Shall mean the person who has entered into the Credit Agreement and is also covered for benefits under this Policy.

THE INSURER New Era Life (Soc) Limited.

PENSIONER Shall mean a person of or above the official retirement age of 65 years, receiving a regular payment made by the State or chosen pension scheme.

PREMIUMS

Premiums are calculated at 0.45% of the Deferred Amount on a reducing balance

Premiums are calculated at 0.45% of the Deferred Amount on a reducing balance
Rate 1 * Rate 2 method
method
NO COVER FOR PENSIONERS MAY BE GRANTED UNDER THIS PLAN

BENEFITS

On the death of the Insured occurring before the expiry of the Period of Insurance, the Outstanding Balance (which in all cases will be equal to or less than the sum assured) shall be
Section A: Death Benefit
paid to the Credit Provider.

In the event of permanent total disablement of the Insured, an amount equivalent to the death benefit as Insured under this Policy shall be paid. For the purposes hereof the total and
permanent disability shall mean such incapacity that prevents the Insured from following his own or similar occupation, defined as the regular and/or normal occupation in which the
Insured is engaged for remuneration or profit but expanded also to include any occupation for which the Insured is reasonably qualified to be engaged in for remuneration or profit by
Section B: Permanent Total
his qualifications, training, age, working and/or occupational experience. The disability must also be permanent and confirmed as such by a duly recognized and accredited medical
Disability Benefit
practitioner whose opinions and credentials are acceptable to the Insurer. The term total and permanent disability shall include where the Insured has suffered the loss of both hands
and both feet, or one hand and one foot, or the sight of both eyes. There is a 3 (three) months waiting period for disability benefits where the term of the Credit Agreement is more
than 6 (six) months.

In the event of the Insured's temporary disability as defined below, the monthly instalments under the Credit Agreement will be paid:
I) for a period of 12 months;
ii) during the remaining repayment period of the Credit Agreement; or
iii) until the Insured is no longer disabled.
Section C: Temporary Total
The benefit will be payable for whichever is the shorter period.
Disability Benefit
Temporary Disability shall mean having suffered a loss of normal income from your own normal occupation for a period in excess of 30 (thirty) consecutive days as a result of illness or
bodily injury which has been verified by a duly qualified medical practitioner but which is not expected to last. The occupational category for which benefits will be paid shall be defined
as Temporary Disability when your impaired ability to earn an income or meet the obligations under a Credit Agreement arise as a result of illness, injury or disease which renders you
unable to continue your employment, occupation, profession or trade.

* Rate 2: 0.45%
Section C: Temporary Total In the event of the insured's temporary total disability, the total obligations of the insured under the credit agreement that become due and payable will be settled in full.
Disability Benefit

* Rate 2: 0.45%
In the event of the insured becoming unemployed or unable to earn an income, other than as a result of permanent or temporary disability, the total obligations of the insured under the
Section D: Retrenchment
credit agreement that become due and payable will be settled in full.
Benefit

In the event of the Insured experiencing the Loss of Income as defined below, ,the monthly instalments under the Credit Agreement will be paid:
i) for a period of 12 months;
ii) during the remaining repayment period of the Credit Agreement; or
iii) until the Insured finds employment or is able to earn an income.
Section D: Loss of Income The benefit will be payable for whichever is the shorter period. For Credit agreements shorter than six months, the client must have been an active client (either new loans or payments
Benefit on existing loans) for the three consecutive months prior to the credit agreement. For credit agreements longer than six months, the client must have paid at least 6 instalments on the
credit agreement.
Loss of Income shall mean becoming unemployed or unable to earn an income after the commencement of cover, and receiving no remuneration from any occupation. Loss of income
shall also mean the loss of employment as a result of the implementation of a staff reduction program, adverse business conditions, the introduction of new technology or the
reorganization of the business by your employer in accordance with the Labour Relations Act of 1955.

GENERAL EXCEPTIONS - EXCLUSIONS AND LIMITATIONS OF COVER

The Insurer will not pay any benefits to the Insured: who is under eighteen years of age.
If Death or disability is due to:
i. the abuse of alcohol, drugs or narcotics;
ii. wilful self-inflicted injury or suicide;
iii. active participation in war, invasion, acts of foreign enemies, hostilities, warlike operations (whether war be declared or not), civil war, insurrection, rebellion revolution, civil commotion or uprisings, military power;
iv. the use of nuclear, biological or chemical weapons, or any radioactive contamination;
 v. participation in criminal activities;
vi. participation in hazardous activities such as mountain a climbing, bungee jumping and speed racing;
vii. any pre-existing condition the Insured was aware of that affected the Insured in the 12 months preceding the commencement of cover under that credit life policy, provided that where a specific pre-existing condition is
disclosed by the Insured prior to the commencement of cover, the condition may only be excluded if the Insured is clearly informed of such specific exclusion.
If Unemployment or Loss of Income is due to:
i. lawful dismissal, including dismissal as a result of wilful misconduct that is a violation of some established, definite rule of conduct, a forbidden act, wilful dereliction of duty or misconduct;
ii. voluntary forfeiture of salary, wages or other employment income;
iii. voluntary retrenchment or termination of employment;
iv. resignation;
v. retirement;
vi. participation in an unprotected strike; and
vii. retrenchment of which the Insured was aware or received notice of during the 3 months preceding the date on which cover under that credit life policy commenced.
GENERAL CONDITIONS
On the occurrence of an event which may give rise to a claim under this Policy, the Insured shall within twelve (12) months and at his own expense notify the Insurer and submit all relevant forms and give such details as may
be required in substantiation of any claims to be made against this Policy.
Fraud - If any claim under this Policy is in any respect fraudulent or if any fraudulent means or devices are used by the Insured or anyone acting on his behalf to obtain any benefit under this Policy, all benefit under this Policy in
respect of such claim shall be forfeited.
Jurisdiction - This Policy is subject to the laws of the Republic of South Africa whose courts shall have sole jurisdiction to the exclusion of the courts of any other country.
The Insurer shall have the right to cancel or amend the Policy in whole or in part within 30 days of the date of its receipt by the Insured. In the event of such cancellation a full refund of the premium will be made.
The Insurer shall have the right to cancel the Policy at any time giving the Insured 30 (thirty) days' notice to the last known address as recorded on our system. Such cancellation will not attract a refund of any premiums already
paid.
The Insurer's liability shall not extend beyond the earlier of the termination and the settlement date of the Credit Agreement.
The Insurer's liability shall cease on the settlement of any claim which results in the full and final settlement of the Outstanding Balance owing to the Credit Provider and made by the Insurer on behalf of the Insured. Should the
Insured settle the Outstanding Balance due to the Credit Provider prior to the date of the full term of the Credit Agreement and where the Credit Provider terminates the Credit Agreement prior to the expiry of this Policy. Should
the Insured settle the Outstanding Balance due to the Credit Provider prior to the date of the full term of the Credit Agreement and where the Credit Provider terminates the Credit Agreement prior to the expiry of this Policy, then
all the Insurable interest will be terminated
The Insurer shall be under no liability in terms of this Policy when the indebtedness in respect of which this Policy was issued has been paid in full to the Credit Provider or when it would have been paid in full had the Insured
complied with his obligation to the Credit Provider as originally undertaken, whichever shall happen first.
The Insurer shall not be affected by any arrangements which the Insured and the Credit Provider may enter into in respect of any reductions in the amount of instalments originally agreed upon or the extension of the period for
the repayment of the Outstanding Balance beyond that originally agreed upon.
Except for the irrevocable cession and the assignment by the Insured to the Credit Provider, neither this Policy nor any of the rights granted hereunder shall be capable of further assignment or any claim be ceded without the
written consent of the Insurer.
No waiver of any of the terms, exceptions, conditions or exclusions under this Policy shall be valid unless they have been made in writing by the Insurer and duly stamped and signed by an authorized employee of the Insurer.
Examination - The Insurer may require that the Insured, whether or not then alleged to be suffering from any effects of any injury, be examined by a medical practitioner of the Insurer's choice within a reasonable time. Any such
report of the medical practitioner shall for all purposes be final and binding upon the parties to this Policy.
The Insurer's liability in terms of this Policy does not extend to cover arrears instalments and interest.
No maximum age limit for the Insured person is required for approval of the policy.
In the event of multiple policies being granted to the Insured, by the Insurer, a maximum total amount payable on death and permanent disability shall be R60 000 per insured event, per insured life for members 75 and younger
and R30 000 for members older than 75.
CONDITIONS RELATING TO PREMIUMS
The premium reflected on the Application for Insurance/schedule is payable throughout the Period of Insurance.
From the date of issuance of the policy, until the date of receipt of the first premium payment, cover will be provided in full.
A monthly premium shall become payable from the first designated due date and every month thereafter in order for cover to be provided. If the first due premium is unpaid, the policy will be deemed to have not been issued
and no cover shall be provided thereafter.
The failure to pay a premium shall result in cover lapsing. Once 2 consecutive premium payments have been missed, the policy shall be deemed to have lapsed and no cover shall be provided.
All premiums are payable monthly in arrears, in order for cover to be provided. Should a premium for a specific month be unpaid, provided that the following month is paid, and the month unpaid is also paid up to date, cover
shall continue as if uninterrupted.
A 30 (thirty) day grace period shall be enforced if, in the event of a claim, the current premium has not yet been paid. In such event, the outstanding premium shall be deducted from any claim amount payable.
A policy may be reinstated upon the following conditions:
Such request is received by the Insurer in writing
All arrear payments have been brought up to date
Any imposed waiting period(s) will recommence from the date of reinstatement
Such reinstatement, provided all arrear payments are paid in full, will be effective from the original loan date
An Insurer has the right to decline such reinstatement request.

DISCLOSURE NOTICE TO LONG-TERM INSURANCE POLICYHOLDERS IN TERMS OF THE

FINANCIAL ADVISORY AND INTERMEDIARY SERVICES ACT 37 0F 2002
DISCLOSURE AND OTHER LEGAL REQUIREMENTS
(This notice does not form part of the Insurance Policy or any other document)

YOUR INTERMEDIARY

Juristic Representative
Blink Finance (Co. Reg. No. 2019/127670/07)
Company name:

Management Representative Blink Finance is a representative mandated by Groups Are Us (Pty) Ltd, an authorised financial services provider, FSP 45735. The natural representative does not
Name: earn any income from the sale of this policy

Unit 15, Kingfisher Building, Hazeldean Office Unit 15, Kingfisher Building, Hazeldean Office
Physical Address: Postal Address:
Park, Silverlakes Rd, Tyger Valley, 0084 Park, Silverlakes Rd, Tyger Valley, 0084

Telephone Number: 012 534 3863 Facsimile Number:

Groups Are Us (Pty) Ltd has been appointed by the Insurer to act as Intermediary. Blink Finance is a registered Juristic Representative under the FSP License of Groups Are Us (Pty) Ltd and is
registered to provide financial services in terms of Long-Term Insurance subcategory A (Funeral) and Long-Term Insurance subcategory B1-A (C/Life)

Groups Are Us (Pty) Ltd has Professional Indemnity Insurance Cover in place with Lombard Insurance Company Limited.
Groups Are US (Pty) Ltd has earned more than 30% of its total remuneration from New Era Life Limited in the last 12 months. New Era Life Limited is not the insurer on this policy.
Groups Are Us (Pty) Ltd does not does not hold more than 10% of the shares issued by any product provider.Blink Finance earns a commission of 7% (including vat) on the sale of this policy

Financial Advisory and Intermediary Services (FAIS) Registration Number is: 45735

Without in any way limiting and subject to the other provisions of the Services Agreement/Mandate, Groups Are Us (Pty) Ltd t/a Groups R Us accepts responsibility for the lawful actions of its
Representatives (as defined in the Financial Advisory and Intermediary Services Act) in rendering financial services within the course and scope of their employment and/or their Services
Agreement/Mandate.

Completed claims forms and all required documents to be submitted to the offices of Blink Finance or posted to: Unit 15, Kingfisher Building, Hazeldean Office Park,
Silverlakes Rd, Tyger Valley, 0084. Alternatively you can also email claims@groupsrus.co.za.
Claims Procedure:
Claim Notification Period: The Insured or claim applicant must submit to Groups R Us, the full details in writing of the claim as soon as reasonably possible up to a
maximum of 180 (one hundred and eighty) days from the date of the claim event

Complaints relating to any advice or service given to you by Blink Finance may be notified in writing to: Groups Are Us (Pty) Ltd t/a Groups R Us, Monpark Building,
76 Skilpad Avenue, Monument Park, Pretoria
Complaints Procedure:
Tel: 0861 273 342 Fax: 012 347 3345 Website: www.groupsrus.co.za E-mail: compliance@groupsrus.co.za
You can access The Complaints Resolution Policy and Procedure at: www.groupsrus.co.za

Compliance Officer: Masthead (PTY) Ltd Building 6, Ground Floor, 48 Matroosbergweg, Ashlea Gardens, Pretoria,0081. Tel: 012 424 3400

Policy Wording: A copy of the policy wording can be obtained from Blink Finance

2. ADMINISTRATOR

Company name: Groups Are Us (Pty) Ltd t/a Groups R Us (Co. Reg. No.2020/553498/07)

Monpark Building, 76 Skilpad Avenue, Monument

Physical Address: Website: www.groupsrus.co.za
Park, Pretoria

Telephone Number: Tel: 0861 273 342 E-mail: info@groupsrus.co.za

Legal Status: Groups Are Us (Pty) Ltd t/a Groups R Us is an Authorised Financial Services Provider in terms of FAIS. FAIS registration number: 45735

In terms of the FSP license Groups Are Us (Pty) Ltd is authorised to render financial services in the following categories CATEGORY 1:
Long-term Insurance: Category A
Long-term Insurance: Category B1
FAIS Registration: Long-term Insurance: Category B1-A
Long-term Insurance: Category B2
CATEGORY IV Assistance business FSP
Assistance business FSP

Compliance with the FAIS Act is monitored by Masthead (Pty) Ltd, a compliance practice approved by the Financial Sector Conduct Authority. Their postal address
is PO Box 765, Howard Place, 7450. Their contact numbers are:
Compliance Officer:
Telephone: 021 6863588
Fax: 021 6863589

In the event that you are dissatisfied with any aspect of my service, you should address your complaint in writing to our complaints department at
Complaints: complaints@groupsrus.co.za. copy of the Complaints Resolution Policy is available on request. You can access our Complaints Resolution Policy and Procedure
at: www.groupsrus.co.za or E-mail: compliance@groupsrus.co.za

Please note that in accordance with legislation Groups Are Us (Pty) Ltd keeps an updated Conflict of Interest Management policy and disclosure register. This
register informs you, our client of all financial and ownership interests that we may become entitled to and lists the associate and business relationships of Groups
Conflict of Interest:
Are Us (Pty) Ltd. This document ensures transparency in my/our dealings with our customers and is available for inspection.You can access our Conflict of Interest
Policy at: www.groupsrus.co.za
 3. YOUR INSURER

Company name: New Era Life (Soc) Limited , Shall mean New Era Life Limited, registration number 1979/001632/06 and FSP number 2736

Oxford & Glenhove, 116 Oxford Road, Block A, 1st

Physical Address: Postal Address: P O Box 1941,Houghton, 2041
Floor, Rosebank, 2196

Telephone Number: +27 11 463 0463 Website: www.neweralife.co.za

New Era Life is an Authorised Financial Services Provider in terms of the FAIS Act. Registration number: 1979/001632/06 and FSP Number 2736. New Era Life (the
Legal Status: product supplier) has a contractual agreement in place with Groups Are Us (Pty) Ltd (the product provider) to underwrite credit life agreements provided by Groups
Are Us (Pty) Ltd.

In terms of the FSP license, NEW ERA LIFE is authorised to give advice and render financial services. CATEGORY I
Long-Term Insurance subcategory A
Long-Term Insurance subcategory B1
Long-term insurance subcategory B2
FAIS Registration:
Long-term Insurance subcategory B2-A
Long-term Insurance subcategory B1-A
CATEGORY IV Assistance business FSP
Assistance business FSP

PI and FG Cover: NEW ERA LIFE has a Professional Indemnity Cover and a Fidelity Guarantee Cover in place.

For any compliance/non-compliance matters relating to the FAIS Act or the Policyholder Protection Rules (“PPRs”), you may contact the New Era Life compliance
department on 011 463 0463 or via e-mail at info@neweralife.co.za. The New Era Life FAIS compliance officer is Ndivhudzannyi Prince Nemutanzhela from
Compliance Officer:
Precedence Compliance Solutions (Pty) Ltd (Compliance practice No. 7355) and you may contact him on 067 413 0787 (Voice & WhatsApp) or via e-mail at
admin@precedencecompliance.co.za.

Complaints: info@neweralife.co.za Contact: +27 11 463 0463

Conflict of Interest: You can access our Conflicts of Interest Management Policy at: www.neweralife.co.za

4. OTHER MATTERS OF IMPORTANCE

You will be informed of any material changes to the information about the intermediary, the binder holder and or insurer provided above.

If any of the information reflected above was given to you orally, this disclosure notice serves to provide you with the information in writing. Should you not be satisfied with the policy, you are entitled a
period up to 30 days within which you may cancel your policy in writing at no cost. Cover will cease upon cancellation of the policy.

If we fail to resolve your complaint satisfactorily, you may submit your complaint to the Ombudsman of Long-Term Insurance.

You will always be given a reason for the repudiation of your claim.

If the Insurer wishes to cancel your policy, this will be done in writing, to your last known address.

You will always be entitled to a copy of your policy at no extra charge.

5. WARNING

Do not sign any blank or partially completed application form.

Complete all forms in ink.

Keep notes of what is said to you and all documents handed to you.

Don't be pressurised to buy the product.

Failure to provide correct of full relevant information may influence and insurer on any claims arising from your contract of insurance.

6. WAIVER OF RIGHTS

The General Code of Conduct stipulates that no Financial Services Provider may request or induce in any manner a client to waiver any right or benefit conferred on the client by/or in terms of any provision of the said
Code, or recognise, accept or act on any such waiver by a client. Any such waiver is null and void.

7. TREATING CUSTOMERS FAIRLY

Groups Are Us (Pty) Ltd promotes the fair treatment of clients by integrating the guidelines and principles of TCF in its Code of Ethics policy and in all business dealings with its clients.

8. CONFIDENTIALITY

I wish to advise that all information obtained or acquired about you shall remain confidential unless you provide written consent, or unless I am required by any law, to disclose such information.

9. PARTICULARS OF THE LONG-TERM INSURANCE OMBUDSMAN

Postal Address: Private Bag X45, Claremont, Cape Town, 7700

Telephone Number: (021) 657 5000

Email: info@ombud.co.za

10. PARTICULARS OF THE REGISTRAR OF LONG-TERM INSURANCE

Postal Address: PO Box 35655, Menlo Park, 0102

Telephone Number: (012) 428 8000

Email: info@fsca.co.za

11. PARTICULARS OF THE FAIS OMBUDSMAN

Postal Address: PO Box 74571, Lynnwood Ridge, 0040

Telephone Number: (012) 470 9080

Email: info@faisombud.co.za