Pre-Submission — www.m-ortgage.com

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Pre-Submission form

MortgageMax, a division of BetterLife Origination Services Proprietary Limited (“MortgageMax”) and its MortgageMax Licensee1 together with other members of the BetterHome Group (comprising BetterHome Group Limited and entities in which it has a direct or indirect financial interest) (collectively “we” or “us”), offers a range of services relating to your home journey to make your home dreams come true, seamlessly and efficiently. MortgageMax accordingly offers the following services: (i) bond pre-qualification applications; (ii)credit checks; (iii) home loan applications to various credit providers2 including your nominated banks; (iv) insurance brokering services in relation to life (such as, but not limited to, life insurance) and estate planning and wills, (v) insurance brokering services in relation to non-life cover (such as, but not limited to, building and home contents insurance); (vi) personal loan services regarding assistance for transfer and bond costs; and (vii) other services that relate to the purchase of your home and/or fulfilling bond grant conditions (collectively “Services”).

Home Loan Application Pre-Submission form: Please note that we require the below information and documentation in order to prepare and finalise your home loan application form. Please ensure to fill all the relevant questions as it is the minimum required information in order to prepare your home loan application form. (Each applicant should fill their own form)

Name & Surname (as per your id) *

Your E-mail *

Id Number *

Cell Phone Number *

Work Number *

Marital Status *

City of Birth *

Country of Marriage

Number of Dependants *

Ethnic Group *

Highest Qualification *

Type of Residence *

Home Language *

Income Tax Number *

Current Residential Address *

Employer name *

Employer Address *

Job Title *

Period Employed by current Employer..

Debit order repayment day *

Preferred Repayment Term *

Initiation Fee Payment Option *

Property use (please select one) *

Business

Holiday

Owner Occupied

Rented out

Vacant Land

Current residential status (please select one) *

Are you a first time home buyer? *

Yes

Do you require costs? *

Yes

Include a solar energy loan? *

Yes

Do you smoke? *

Yes

DECLARATIONS I/WE DECLARE AND CONFIRM THAT -

• I hold no other citizenships and residence for local and international tax purposes, other than those disclosed in this application form. I will inform the relevant financial institution in writing of any changes to this status within 30 days to the change of status; • I warrant that all information (irrespective of the format) supplied by me is to the best of my knowledge and belief true and correct in all material respects. I am not aware of any other information which would, if it were to become known to the financial institution, a ect the consideration of my application in any way; • The Bond Consultant that has assisted me has explained the advantages of paying a deposit on the propert I intend on purchasing and has also explained that there are costs i volved in taking transfer of the property • The Services provided require personal information being shared on any adequate platform including but not limited to contacting me via a phone call, WhatsApp, Email, SMS or any other digital means; The services provided by MortgageMax and the BetterHome Group are not intended to be financial, tax or legal advice and should not be construed as such. MortgageMax, the BetterHome Group and their respective service partne s are not financial planners, financial brokers or tax advisors. My personal financial situation is unique and therefore before making any decisions utilising the information obtained from MortgageMax and the BetterHome Group, I shall obtain advice from an accountant or other financial advisor who is fully aware of my individual circumstances and never take up a home loan that will st etch my repayment capacity to its maximum. *

CONSENTS

In order to render the selected Services to you, we will process your personal information in accordance with the purpose for which it has been collected. For more information about how we protect personal information please see the privacy policy available at https:// www.mortgagemax.co.za. By signing this form, you consent to the MortgageMax Licensee, MortgageMax and the BetterHome Group processing your personal information in order to render the aforementioned services to you which includes, inter alia – • Sharing your full name and other personal information, including but not limited to the Offer to Purchase, with us and our service providers for purposes of rendering the Services to you; • Collecting your personal information (including your payslips, bank statements and identity verification information) from third parties including your financial institution, your employer(s), credit bureau, your bankers, your spouse, any co-applicant, educational institutions, any academic verification agencies and any governmental authority or other third part that processes information on behalf of any governmental authority; • Obtaining your credit report from a credit bureau and to provide that report to a financial institution as part of the credit application, provide you with advice or assistance with managing your credit and/or challenging the accuracy of information s tored by the bureau. You have been made aware that you are entitled to one free report per year from any registered credit bureau; • Sharing your personal information with various third parties including, inter alia, members of the BetterHome Group, service providers to the BetterHome Group, including but not limited to credit bureaux, credit providers and financial institutions and their respective affilia es, and any other person who requires your personal information in order for us to render or in connection with us rendering the Services or offer related banking products to you after your approval of the financial institutio ’s offer to finance your immovable property • Storing your personal information including storage on cloud facilities that may be located outside of South Africa. We will ensure that appropriate measures are put in place to protect your information in accordance with the standards that are no less onerous than those imposed by South African laws; and • Sharing, retaining and furthe processing your personal information for research and statistical purposes I hereby consent to MortgageMax sharing my personal information with BetterSure Financial Consultants (Pty) Ltd (FSP24015) (“BetterSure”). This consent is granted for the purpose of receiving additional information pertaining to Life Insurance financial products, and services in relation to Estate Planning and Wills specifically tailored to my bond applocation requirements and associated needs. I acknowledge that I have the right to opt-out of such future communications *

MM Building and Home Contents

I hereby consent to MortgageMax sharing my personal information with BetterSure Financial Consultants (Pty) Ltd (FSP24015) (“BetterSure”). This consent is granted for the purpose of receiving additional information pertaining to Life Insurance financial products, and services in relation to Estate Planning and Wills, specifically tailored to my bond application requirements and associated needs. I acknowledge that I have the right to opt-out of such future communications. *

I hereby consent to MortgageMax sharing my personal information with BetterSure. This consent is granted for the purpose of receiving additional information pertaining to Building and Home Contents Insurance financial products and services, specifically tailored to my bond application requirements and associated needs. I acknowledge that I have the right to opt-out of such future communications. *

CONSENT – CREDIT CHECK

I appoint M-ortgage.com and BetterLife Origination Services Proprietary Limited (“MORTGAGEMAX”/”My Representative”) to be my lawful representative and agent in my name, place and stead, to obtain a copy of my personal credit report (“PCR”) from a registered credit bureau to be used solely for the following purposes: (a) providing me with advice or assistance with managing my credit, by having reference to the content of my PCR; (b) challenging the accuracy of information contained in my PCR; and (c) investigating information held on me by the registered credit bureau. I consent to the registered credit bureau releasing a copy of my PCR in PDF or XML format to my Representative and to my Representative having sight of the content of my PCR for the above purposes. Furthermore, I consent to my Representative providing all personal information provided by me in relation to the accessing of my PCR to the registered credit bureau for purpose of updating my credit record. My Representative may request my PCR from the registered credit bureau on condition that they undertake: (a) not to host, resell, on-sell or make my PCR available to any third party or agent, or use my PCR to compile any other databases; (b) not to amend or add any information on my PCR or deal with my PCR in contravention of any applicable laws; (c) to take all reasonable security measures to prevent unauthorised access to the information contained on my PCR; (d) to destroy my PCR upon my request or immediately after it has served the purpose for which it was obtained on my behalf; (e) to keep record of any persons who has access to my PCR for as long as it’s in my Representative’s possession, before it is destroyed. I am aware that I am entitled to one free PCR per year from any registered credit bureau and that I can obtain my free PCR by contacting the registered credit bureau directly, either telephonically, by way of email, fax or attending on the office of the registered credit bureau in person. I am aware that I have the right to challenge the accuracy of any information contained in my PCR directly with a registered credit bureau. Attached to this is a copy of my Identity Document. I confirm that the information furnished herein to the registered credit bureau is true and correct. **I agree and explicitly give consent to MORTGAGEMAX to share a copy of my PCR with the *Third Party. *

MM Personal Loans

I hereby consent to MortgageMax sharing my personal information with Monify (Pty) Ltd. This consent is granted for purposes of receiving competitive personal loan options from credit providers to access funding that may be required in connection with purchasing a new home (such as transfer fees, moving costs and the like). I acknowledge that I have the right to opt-out of such future communications. *

Required Documentation

Please submit the minimum required documentation below:

Clear id copy

Latest Payslips (if you earn a fixed salary please submit your latest 3 payslips, if your salary fluctuates due to commissions / overtime etc, or you earn a weekly / fortnight salary, please submit your latest 6 months payslips)

2nd Latest Payslip

3rd Latest Payslip

4th Payslip (only if your income is variable)

5th Payslip (only if your income is variable)

6th Payslip (only if your income is variable)

Latest stamped 3 months bank statements (bank statements should not be older than 10 days)

Offer to purchase / Title Deed (if applicable)

Passport (Only if you work abroad)

VISA / Work Permit (Only if you work abroad)

Work contract in English (Only if you work abroad)

Latest 3 months International Bank Statements (Only if you work abroad)

By submitting your Pre-submission form, you agree to the terms and conditions outlined in this document, consent to the declarations specified above, and acknowledge that you will not receive a hard copy of the completed form. You also agree and accept that M-ortgage.com will be your exclusive provider for assistance with your home loan for the next 90 days, regardless of the agent or property.

*”Financial Institutions” means ABSA Bank, First National Bank, NedBank, Standard Bank, where necessary Investec, Ithala, HiP (Housing Investment Partners), Sentinel, Auto Assist, Business Fuel. *”Group” means BetterLife Group Ltd and its subsidiaries, including internal systems e.g. LMS, DealMaker and SwitchX which is used to process the personal information and to submit to the financial institutions. *”Third party” means financial institution and/or its representatives, the estate agent, the property developer, the conveyancing attorney and/or any third party including but not limited to the lead provider dealing with a property that I am interested in purchasing. *BetterSure (BetterLife Distribution Services (Pty) Ltd t/a BetterSure Financial Consultants FSP24015) is a wholly owned subsidiary of BetterLife Group Limited *”DirectAxis” means Direct Axis SA (Pty) Ltd, registration number 1995/006077/07. *”Capital Legacy” means Capital Legacy (Pty) Ltd, registration number 1995/009479/07

(*) Required fields