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: TSHEPO LETSATSI

Date Requested: 2019/11/21 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.

If you are looking at paying off your debt, you are on the right track, by viewing your credit report this is the
first step to understanding your financial health. Here are some tips on settling your debt today, find out
more!

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: TSHEPO Surname: LETSATSI

ID Number: 9506145769086 Marital Status:
Date of Birth: 1995/06/14 No of Dependants: 00
Spouse Name: E-mail Address:
Current Tel No. (H): (011) 9061777 Current Tel No. (W): (010) 4429092
Previous Tel No. (H): Previous Tel No. (W): (000) 0000000
Cellular: 0719499495
Also Known as: LETSATSI,THABISO,TSHEPO,,LETSATSI,THABISO,,,LETSATSI,T,,,

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

2019/06/16 258 ROETS DR,VOSLOORUS,RUSLOO,1475,GP 00

2011/06/19 258 ROETS DR,MABUYA PARK,VOSLOORUS,1475,GP 00 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

Registered with the National Credit Regulator - Reg No : NCRCB4 Page 2 of 6

 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: 9 30 Jun 2019

Total Account History: 0 0.00

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

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*****

Registered with the National Credit Regulator - Reg No : NCRCB4 Page 3 of 6

 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:

2019/06/30 LEWIS STORES Lewis Group 0214606140 OTHER
2019/06/28 WOOLWORTHS FINANC Woolworths Financial Service 0861502040 CREDIT
APPLICATION
2019/06/18 COBOL FINANCE (PT COBOL 0214218811 AFFORDABILITY
ASSMNT
2019/06/17 RCS MOBICRED MOBICRED 0873513083 CREDIT
APPLICATION
2019/06/16 BODTRADE 63 PTY L Wonga Finance SA Ltd 086196641 OTHER
2019/06/16 RCS CARDS PTY LTD RCS WS GAME CASH LOAN 0861729727 OTHER
2019/06/16 RCS CARDS PTY LTD RCS WS MAKRO CASH LOAN 0861729727 OTHER
2019/06/16 RCS CARDS PTY LTD RCS WS CASH LOANS 0861729727 OTHER
2019/06/07 VODACOM PTY LTD Vodacom-Cos 011546486 CREDIT
APPLICATION

Registered with the National Credit Regulator - Reg No : NCRCB4 Page 4 of 6

 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+
Account up to Account Days in Arrears
date

End Of Data Submission, Sold to Third Party

A I Facility Revoked R End of Data submission, Balances still
outstanding

Final Closure
B J Repossession S Policy Surrendered

Closed
C K Paid Out Deceased Claim T Early Settlement

Terms Extended
E L Handed Over V Cooling off Settlement

Lapsed Policy Paid Out Disability

F M W Written Off

Policy Cancelled by Consumer Not Updated Deceased

G NU Z
Policy Cancelled by Supplier
H P Paid Up

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

A End of Data Submission, Sold to Third Party

B Final closure

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)

P Your revolving account has been paid in full and can become active again

R End of Data submission, Balances still outstanding

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

Registered with the National Credit Regulator - Reg No : NCRCB4 Page 5 of 6

 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
`_Othera

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:

b Log onto www.mytransunion.co.za.

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

b Complete the Challenge Form and submit.

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

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

b 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:

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

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

b You will be supplied with a TransUnion reference number.

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

b 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

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