“Improving the financial future of individuals and their families in full throttle”

1. STANDARDLOANSDebt consolidation programme is for all blacklisted and credit worthy individuals. Those home owners that are struggling to make ends meet can secure a low interest rate home loan against their property. The aim of debt consolidation is to increase the amount of the existing home loan and use this amount to settle debts. This will improve your monthly cash flow due to the low interest rates and finance charges offered on home loans. We use our own funding to settle your debts and will then apply for a further bond even though you have a poor credit profile. How does it work? We loan you the amount you require to settle your debts. Remember that you are still the property owner. Judgements and all poor credit records against your name are removed. This will now make you credit -worthy and put you in an affordable position to apply for a bond with any bank at prime and below prime interest rates. This money is now used to pay us back what we lent you. Please note that the settling of your debts starts as soon as we receive all the required documentation. Page over to see how the process work. We also have personal and consolidation loans for blacklisted and non-blacklisted individuals and if you do not own a home.(like above) “Improving the financial future of individuals and their families in full throttle”

2. GroupStructure New Bonds, second bonds, consolidation bonds and debt consolidation against properties Bridging Finance Loans available whilst waiting for Pension/Provident fund payouts. Within 48 hours upon receiving all documentation Unsecured Personal Loans for all, blacklisted as well up to R120 000.00. Can be paid-out the same day Debt Consolidation Loans and Credit Bureau Repair Plus ITC credit checks and reports

3. STANDARDLOANSAND FINANCIALSERVICES We loan clients money using their property as security and : • Use this money to pay off all of their expensive high interest-bearing short-term debt such as store cards, micro loans, credit cards etc. This improves the client’s monthly cash flow; • Improve their credit profile so that in future they can get credit at a reasonable cost; and • Provide a financial education. Through this process we teach people how to get out and stay out of debt; • Re-apply to the banks for a higher bond in a few months time in order for US to be repaid out of the proceeds.

4. Banks and MONEY lenders have become very strict especially with the new national credit act that has made borrowing difficult. the affordability criteria is very Demanding. Help is now at hand with our innovative loan Products. If a property is worth R1 000 000 and the bond outstanding is R500 000, the Loan to Value is 50%. We use a maximum Loan to Value of 75% (including the existing bond). The difference between the value of the property and the bond outstanding is known as equity. In order to qualify for any loan with a bank you must : • Be able to demonstrate that you can afford it; • Be in good standing with all your creditors i.e. not have an impaired credit record; and • Be able to provide sufficient collateral for the loan (with a property this is the Loan to Value amount).

5. BLACKLISTED INDIVIDUALSARE WELCOME TO APPLY.WE CAN HELP TO CLEAR YOU FROM THE CREDIT BUREAU ONCE WE SETTLE ALL YOUR ACCOUNTS. • A typical client owns a property that has no bond or is worth more than is owed on the bond. Typically the client owns a property where the current Loan to Value (“LTV”) is less than 60%; • The client is unable to access a further bond due to an impaired credit record or due to affordability concerns as the client has a large number of short-term high-interest credit arrangements (store cards, credit cards etc); • The minimum facility offered by us is R30 000 and there is no maximum; • The minimum value of the property needs to be R200 000 and the client needs to be earning a combined household income of at least R8500 per month.

6. Affordability – Before and After Net reduction in monthly payment of R8580 per month (c60%), the majority of which is high interest-bearing consumer credit. Private and Confidential

7. Our minimum credit criteria... • Applicants must be a property owner • Only residential property that is registered in the applicant’s name • can be used as security • No vacant land will be considered • Must be permanently employed • Minimum joint basic income of R8500 per month • Minimum property value of R200 000 • Maximum age at date of application must be 55 • Minimum debt of R30 000 • Applicants that have been sequestrated must have been rehabilitated for at least two years • Applicants cannot be under debt review

8. How do I know whether a client will qualify?… • In order to assess whether a client might qualify for a loan from us, you need to answer the following four questions: • Do you own a property? • How much do you and your spouse earn per month before deductions (gross salary)? • How much do you owe on your bond? • How much do you think your property is worth? • Blacklisted home owners are welcome to apply. • Use the affordability calculator to see how much the person could qualify for. This would be the smaller of the two amounts in red.

9. Affordability Calculator…

10. Whatdo I do next … • If the affordability calculator shows that we might be able to assist , you need to email the affordability calculator, together with the signed credit consent to, standardloansvinay@gmail.com or fax them to 086 -568 0220 .We will then do all the necessary enquiries and advise whether you qualify.( CELL 0721358581)

12. If you have any questions or queries please contact me standardloansvinay@gmail.com or visit our website www.standardloans.co.za