LUCID QUOTE FOR LEGAL SERVICES

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We have listed below all the issues that are causing your application for finance/credit to be DECLINED or causing unfavourable
lending terms e.g. high interest rate, high deposit, surety etc. These issues are negatively impacting your credit worthiness and making
you a high risk. Banks/credit providers will not grant you finance or approve any application for credit or if they do, you will be penalised
with very high interest rates and a high deposit (up to 20%).

But don’t lose hope. LUCID has designed proprietary legal services that use the law and your consumer rights, to force credit bureaus,
banks and creditors to honour your rights. LUCID can improve your credit status by rehabilitating the issues you have on your credit
report.

EMPOWER yourself, by letting LUCID protect and enforce your legal rights. Qualifying for credit on the best terms, save money and live
the life you deserve.

Based on your credit record, you will need the services itemised below, in order to successfully qualify for finance/credit and make your
DREAMS a reality.

CREDIT SCORE SERVICE PRICE ACT NOW

849 CREDIT COVER R 1200.00

You have a clear and positive credit report – CONGRATULATIONS! Your credit report and credit worthiness is dynamic. Every
month the banks and lenders send your account information to the credit bureaus. If incorrect, outdated or unlawful information is
reported, you will need to challenge it. Credit cover means you get immediate service and the cost is covered by your subscription.

PRODUCT TOTAL PRICE (excluding discount) ACT NOW

CREDIT COVER X 1 R 1200.00

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Name: HLENGANI SHILENGE ID: 8103155477080 Requested Date: 2018-05-23 Page 1/9

Lucid - (010) 590 5617 - Information provided by Xpert Decision Systems

 Credit score: 849 / 999
Risk Category : Low Risk

Your Credit Status Rehabilitation Solution

Your score is good & you will get credit but not with the best Let LUCID boost your score so you can qualify for credit, get better
interest rate, deposit or term of loan interest lower deposit & terms of lending

Spending Affordability
Home loan 78.97% R 5480 per month

Non-credit 3.77% R 598340 for a bond

account
Other 17.26% R 5844 displosable income

Disclaimer

Spending Summary
These are all of your accounts. This reflects the account limit, balance, monthly instalment and arrears, if any.

Account Date Account Account What you can What you owe What you What you are
Opened Status spend must pay behind on

FNB Home 2017-03-27 Active R 500,000.00 R 188,613.00 R 4,724.00 R 0.00

Loans

Name: HLENGANI SHILENGE ID: 8103155477080 Requested Date: 2018-05-23 Page 2/9

Lucid - (010) 590 5617 - Information provided by Xpert Decision Systems

 Telkom NGN 2015-05-21 Active R 0.00 R 477.00 R 477.00 R 0.00

FNB Housing 2015-01-29 Active R 500,000.00 R 475,182.00 R 5,262.00 R 0.00

Finance

Wesbank Motor 2014-05-12 Active R 107,440.00 R 18,028.00 R 2,619.00 R 0.00

Loans

Telesure 2014-05-01 Active R 0.00 R 823.00 R 823.00 R 0.00

Investment

Telesure 2014-05-01 Active R 0.00 R 1,360.00 R 1,360.00 R 0.00

Investment

MTN 2006-08-07 Paid Up R 0.00 R 0.00 R 0.00 R 0.00

MR PRICE 2017-07-18 Closed R 0.00 R 0.00 R 0.00 R 0.00

MOBILE

Telesure 2014-09-09 Closed R 0.00 R 0.00 R 0.00 R 0.00

Investment

Wesbank Motor 2014-09-09 Closed R 120,043.00 R 0.00 R 0.00 R 0.00

Loans

Total R 684,483.00 R 15,265.00 R 0.00

What to do:

You are up to date with payment of this account. Your repayment status on this account is good and will improve your credit rating if you
continue this behaviour. This positive repayment trend will ensure success with credit and employment applications and will get you lower
insurance premiums. Maintain your healthy payment behaviour and keep your credit report clean by checking it regularly. Let LUCID help create
more disposable income and put you onto the path of debt-free living and wealth creation.

Account Summary
These are all of your accounts. This reflects how you have repaid your accounts over the past 24 months.

Account: FNB Home Loans

Date Opened Account Number Account Type Subscriber Name Status Arrears Amount

2017-03-27 3000014691307 Home Loan FNB Home Loans Active R 0.00

JUN JUL 2016 AUG SEP OCT NOV DEC JAN FEB MAR APR MAY
2016 2016 2016 2016 2016 2016 2017 2017 2017 2017 2017

No data No data No data No data No data No data No data No data No data Up to Up to Up to

found found found found found found found found found date date date

JUN JUL 2017 AUG SEP OCT NOV DEC JAN FEB MAR APR MAY
2017 2017 2017 2017 2017 2017 2018 2018 2018 2018 2018

Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to No data
date date date date date date date date date date date found

Account: Telkom NGN

Date Opened Account Number Account Type Subscriber Name Status Arrears Amount

2015-05-21 501234737 Open Account Telkom NGN Active R 0.00

JUN JUL 2016 AUG SEP OCT NOV DEC JAN FEB MAR APR MAY

Name: HLENGANI SHILENGE ID: 8103155477080 Requested Date: 2018-05-23 Page 3/9

Lucid - (010) 590 5617 - Information provided by Xpert Decision Systems

 2016 2016 2016 2016 2016 2016 2017 2017 2017 2017 2017

Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to
date date date date date date date date date date date date

JUN JUL 2017 AUG SEP OCT NOV DEC JAN FEB MAR APR MAY
2017 2017 2017 2017 2017 2017 2018 2018 2018 2018 2018

Up to Up to Up to Paid up Same as Up to Up to Up to Up to Up to Up to No data

date date date previous date date date date date date found
month

Account: FNB Housing Finance

Date Opened Account Number Account Type Subscriber Name Status Arrears Amount

2015-01-29 3000707412247 Home Loan FNB Housing Active R 0.00

Finance

JUN JUL 2016 AUG SEP OCT NOV DEC JAN FEB MAR APR MAY
2016 2016 2016 2016 2016 2016 2017 2017 2017 2017 2017

Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to
date date date date date date date date date date date date

JUN JUL 2017 AUG SEP OCT NOV DEC JAN FEB MAR APR MAY
2017 2017 2017 2017 2017 2017 2018 2018 2018 2018 2018

Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to No data
date date date date date date date date date date date found

Account: Wesbank Motor Loans

Date Opened Account Number Account Type Subscriber Name Status Arrears Amount

2014-05-12 85214950174 Y Wesbank Motor Active R 0.00

Loans

JUN JUL 2016 AUG SEP OCT NOV DEC JAN FEB MAR APR MAY
2016 2016 2016 2016 2016 2016 2017 2017 2017 2017 2017

Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to
date date date date date date date date date date date date

JUN JUL 2017 AUG SEP OCT NOV DEC JAN FEB MAR APR MAY
2017 2017 2017 2017 2017 2017 2018 2018 2018 2018 2018

Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to No data
date date date date date date date date date date date found

Account: Telesure Investment

Date Opened Account Number Account Type Subscriber Name Status Arrears Amount

2014-05-01 828485166 Short Term Telesure Investment Active R 0.00

Insurance

JUN JUL 2016 AUG SEP OCT NOV DEC JAN FEB MAR APR MAY
2016 2016 2016 2016 2016 2016 2017 2017 2017 2017 2017

Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to
date date date date date date date date date date date date

JUN JUL 2017 AUG SEP OCT NOV DEC JAN FEB MAR APR MAY
2017 2017 2017 2017 2017 2017 2018 2018 2018 2018 2018

Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to No data
date date date date date date date date date date date found

Account: Telesure Investment

Date Opened Account Number Account Type Subscriber Name Status Arrears Amount

2014-05-01 828485167 Short Term Telesure Investment Active R 0.00

Name: HLENGANI SHILENGE ID: 8103155477080 Requested Date: 2018-05-23 Page 4/9

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 Insurance

JUN JUL 2016 AUG SEP OCT NOV DEC JAN FEB MAR APR MAY
2016 2016 2016 2016 2016 2016 2017 2017 2017 2017 2017

Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to
date date date date date date date date date date date date

JUN JUL 2017 AUG SEP OCT NOV DEC JAN FEB MAR APR MAY
2017 2017 2017 2017 2017 2017 2018 2018 2018 2018 2018

Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to No data
date date date date date date date date date date date found

Account: MTN

Date Opened Account Number Account Type Subscriber Name Status Arrears Amount

2006-08-07 A1368629 Open Account MTN Paid Up R 0.00

JUN JUL 2016 AUG SEP OCT NOV DEC JAN FEB MAR APR MAY
2016 2016 2016 2016 2016 2016 2017 2017 2017 2017 2017

Paid up Same as Same as Same as Same as Same as Same as Same as Same as Same as Same as Same as
previous previous previous previous previous previous previous previous previous previous previous
month month month month month month month month month month month

JUN JUL 2017 AUG SEP OCT NOV DEC JAN FEB MAR APR MAY
2017 2017 2017 2017 2017 2017 2018 2018 2018 2018 2018

Same as Same as Same as Same as Same as Same as Same as Same as No data No data No data No data
previous previous previous previous previous previous previous previous found found found found
month month month month month month month month

Account: MR PRICE MOBILE

Date Opened Account Number Account Type Subscriber Name Status Arrears Amount

2017-07-18 MRP0128290 Open Account MR PRICE MOBILE Closed R 0.00

JUN JUL 2016 AUG SEP OCT NOV DEC JAN FEB MAR APR MAY
2016 2016 2016 2016 2016 2016 2017 2017 2017 2017 2017

No data No data No data No data No data No data No data No data No data No data No data No data
found found found found found found found found found found found found

JUN JUL 2017 AUG SEP OCT NOV DEC JAN FEB MAR APR MAY
2017 2017 2017 2017 2017 2017 2018 2018 2018 2018 2018

No data No data Closed No data No data No data No data No data No data No data No data No data
found found found found found found found found found found found

Account: Telesure Investment

Date Opened Account Number Account Type Subscriber Name Status Arrears Amount

2014-09-09 828496086 Short Term Telesure Investment Closed R 0.00

Insurance

JUN JUL 2016 AUG SEP OCT NOV DEC JAN FEB MAR APR MAY
2016 2016 2016 2016 2016 2016 2017 2017 2017 2017 2017

Cancelle No data No data No data No data No data No data No data No data No data No data No data
d by found found found found found found found found found found found
customer

JUN JUL 2017 AUG SEP OCT NOV DEC JAN FEB MAR APR MAY
2017 2017 2017 2017 2017 2017 2018 2018 2018 2018 2018

No data No data No data No data No data No data No data No data No data No data No data No data
found found found found found found found found found found found found

Account: Wesbank Motor Loans

Name: HLENGANI SHILENGE ID: 8103155477080 Requested Date: 2018-05-23 Page 5/9

Lucid - (010) 590 5617 - Information provided by Xpert Decision Systems

 Date Opened Account Number Account Type Subscriber Name Status Arrears Amount

2014-09-09 85222811411 Y Wesbank Motor Closed R 0.00

Loans

JUN JUL 2016 AUG SEP OCT NOV DEC JAN FEB MAR APR MAY
2016 2016 2016 2016 2016 2016 2017 2017 2017 2017 2017

Closed No data No data No data No data No data No data No data No data No data No data No data
found found found found found found found found found found found

JUN JUL 2017 AUG SEP OCT NOV DEC JAN FEB MAR APR MAY
2017 2017 2017 2017 2017 2017 2018 2018 2018 2018 2018

No data No data No data No data No data No data No data No data No data No data No data No data
found found found found found found found found found found found found

Enquiry History
What this means :

This is a list of all credit providers, who have viewed your credit report. A credit provider or 3rd party can only view your credit report if you are
applying to them for a credit facility/account or if you have given them written consent to do so. If credit provider or 3rd party has viewed your
credit report in any other circumstance, it is unlawful. Many enquiries in a short space of time decrease your credit score and place you in a high
risk category. This will lower your chance of securing new credit. Unauthorised enquiries may also signal FRAUD - where someone is using
your identity to open accounts in your name.

Enquiry Date Requested By Type / Category of Contact Number Enquiry Reason

Credit Grantor

2017-12-04 HomeChoice WS Retail 021680 1446 Credit assessment

2017-07-14 (CPB)Elite Group L91 Other CreditApplication

Brixton 2

2017-10-05 Pure Proper Trading Other 061 3689101 Credit assessment

ANDamp; Projects

What to do:

Remove unlawful enquiries by credit providers and 3rd parties. Remove accounts that have been oped fraudulently. Let LUCID help you
challenge unlawful enquiries and increase your credit score.

Fraud Alert
What this means :

If your ID has not been verified by The Department of Home Affairs, credit providers may consider you a high risk for fraud.

If you are listed as deceased (certified dead) on The Department of Home Affairs records, credit providers will most certainly consider you a
fraudster - and a perpetrator of Identity Theft - you run the risk of being arrested.

If you are listed on the Fraud Database - you have been blacklisted for having committed fraud, credit providers will most certainly consider you
a fraudster.

ID Number verified at Home Affairs Yes

Deceased Status at Home Affairs No

Name: HLENGANI SHILENGE ID: 8103155477080 Requested Date: 2018-05-23 Page 6/9

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Home Ownership
This is the property registerd to you. When you apply for new credit this information is used to assess your application. Incorrect information
could mean your application being declined, due to an incorrect affordability assessment.

Number of properties 2
Purchase Price 1650000.0000

All property intrests

Property 1

Deeds Office Title Deed No ERF/Site No ERF Size Physical Address

PRETORIA T21864/2017 814 1190.0SQM CAPITAL PARK

Property type Purchase Date Purchase price Bond Number Bond Holder Bond Amount

Full Title - Erf - 2017-01-21 1150000.0000 B116752017 FIRSTRAND 500000.0000

Land Parcel BANK LTD

Property 2

Deeds Office Title Deed No ERF/Site No ERF Size Physical Address

PRETORIA T18575/2015 4596 249.0SQM BIRCH ACRES EXT 27

Property type Purchase Date Purchase price Bond Number Bond Holder Bond Amount

Full Title - Erf - 2015-01-25 500000.0000 B119712015 FIRSTRAND 500000.0000

Land Parcel BANK LTD

What to do:

Updating your personal information with the credit bureau sounds easy to do, but it can be a frustrating exercise - taking up hours of your time
and incuring unexpected costs.

Address History
When you apply for credit, the credit provider compares the information on your application with the information on your credit report. If the
information is different (maybe because it's old or incorrect), it may negatively affect your credit application. It can even lead to the credit
provider suspecting 'fraud' or 'dishonesty'. Insurance companies use this information to determine your premium and to locate you to pay out
unclaimed funds. Incorrect information could mean you paying more on your insurance or not getting your payout.

Address Residential Date

75 WELGEGUND RD 0001 2015-05-21

319 VAN HEERDEN STREET CAPITAL PARK MOOT 0084 2014-05-01

23C SEKURUWE VILLAGE MAPELA POTGIETERSRUS 0610 2014-05-01

Name: HLENGANI SHILENGE ID: 8103155477080 Requested Date: 2018-05-23 Page 7/9

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 Address Postal Date

75 WELGEGUND RD BRITS BRITS NORTH WEST PROVINCE 2015-05-21

1000

C O 319 VAN HEERDEN STREE CAPITAL PARK MOOT 0084 2014-05-01

What to do:

Updating your personal information with the credit bureau sounds easy to do, but it can be a frustrating exercise - taking up hours of your time
and incuring unexpected costs. Bear in mind you will need to go through this exercise with 4 seperate credit bureaus. Let LUCID help you
prevent the stress and deal with the credit bureau on your behalf.

Telephone History
When you apply for credit, the credit provider compares the information on your application with the information on your credit report. If the
information is different (maybe because it's old or incorrect), it may negatively affect your credit application. It can even lead to the credit
provider suspecting 'fraud' or 'dishonesty'. Insurance companies use this information to determine your premium and to locate you to pay out
unclaimed funds. Incorrect information could mean you paying more on your insurance or not getting your payout.

Telephone number Type Date

0645816480 Cellular 2017-08-25

0791197447 Cellular 2014-06-03

0123054643 Home 2012-03-31

0123055078 Work 2011-09-07

0123054643 Work 2011-09-03

What to do:

Updating your personal information with the credit bureau sounds easy to do, but it can be a frustrating exercise - taking up hours of your time
and incuring unexpected costs. Bear in mind you will need to go through this exercise with 4 seperate credit bureaus. Let LUCID help you
prevent the stress and deal with the credit bureau on your behalf.

Email History
When you apply for credit, the credit provider compares the information on your application with the information on your credit report. If the
information is different (maybe because it's old or incorrect), it may negatively affect your credit application. It can even lead to the credit
provider suspecting 'fraud' or 'dishonesty'. Insurance companies use this information to determine your premium and to locate you to pay out
unclaimed funds. Incorrect information could mean you paying more on your insurance or not getting your payout.

Email Address Date

hlengani.shilenge@necsa.co.za 2014-11-30

hlenganis@necsa.co.za 2009-02-15

What to do:

Updating your personal information with the credit bureau sounds easy to do, but it can be a frustrating exercise - taking up hours of your time
and incuring unexpected costs. Bear in mind you will need to go through this exercise with 4 seperate credit bureaus. Let LUCID help you
prevent the stress and deal with the credit bureau on your behalf.

Name: HLENGANI SHILENGE ID: 8103155477080 Requested Date: 2018-05-23 Page 8/9

Lucid - (010) 590 5617 - Information provided by Xpert Decision Systems

 Employment History
When you apply for credit, the credit provider compares the information on your application with the information on your credit report. If the
information is different (maybe because it's old or incorrect), it may negatively affect your credit application. It can even lead to the credit
provider suspecting 'fraud' or 'dishonesty'. Insurance companies use this information to determine your premium and to locate you to pay out
unclaimed funds. Incorrect information could mean you paying more on your insurance or not getting your payout.

Employer Date

EMPLOYER UNKNOWN 2015-01-29

THE SOUTH AFRICAN NUCLEAR ENERGY CORP SO 2014-05-12

NUCLEUR ENERGY OF SOUTH AFRICA 2014-05-12

NECSA 2008-04-29

What to do:

Updating your personal information with the credit bureau sounds easy to do, but it can be a frustrating exercise - taking up hours of your time
and incuring unexpected costs. Bear in mind you will need to go through this exercise with 4 seperate credit bureaus. Let LUCID help you
prevent the stress and deal with the credit bureau on your behalf.

Directorship
You are not registered as a Director at CIPC

What to do:

Updating your personal information with the credit bureau sounds easy to do, but it can be a frustrating exercise - taking up hours of your time
and incuring unexpected costs. Bear in mind you will need to go through this exercise with 4 seperate credit bureaus. Let LUCID help you
prevent the stress and deal with the credit bureau on your behalf.

Name: HLENGANI SHILENGE ID: 8103155477080 Requested Date: 2018-05-23 Page 9/9

Lucid - (010) 590 5617 - Information provided by Xpert Decision Systems

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