WHY IS MY HYPHEN STATEMENT BALANCE DIFFERENT

FROM MY CREDIT PROVIDER STATEMENT BALANCES?

Hyphen is the Payment Distribution Agency to whom you make a monthly

payment. Your Hyphen statement is an indication of how over-indebted you
are and not guaranteed to be accurate. Only your credit providers have your
exact balances. If your balances differ, this is why:

HYPHEN CREDIT PROVIDER

STATEMENT STATEMENT
NCR CP :NCRCP15
NCRDP01 Ref Number :V1
Our Ref Number :1224194

CERTIFICATE OF BALANCE Date :07/04/2014

Consumer (applicant) Details Debt Counsellor Details
John Doe
Customer Name :Joseph Desmond Daniels Name :IAN EUGENE ROMER WASON
ID Number :6805155648088
750214087452 NCRDP01
NCR Number :NCRDC1817
Juristic person registration number :N/A Tel :021 481 1720
Payment Distribution Agent Fax No :021 481 1721
Email :cob@debtbusters.co.za
Consumer Statement Secondary Consumer's (co-applicant) Details (where client is married in COP or co-applicant stands surety for applicant debt/ co-owns
security for loan
Consumer Number: 100102938470B
1000125000300B Debt Counsellor Number: 01003
Name: JohnOngley
Nina Doe Debt Counsellor Name: G Light Customer Name :JuliaMr Malaza
Georgina Daniels
ID Number: 7908099009986
7612100015085 Debt Counsellor Telephone Number: 0869990660 ID Number :6307110188086
750214087452
Status: Active Debt Counsellor Email Address: csu@consumerdebthelp.co.za
Account Details: Savings Account: 64846969
18272630 Branch: 051001 Statement Date: 2014-05-14 14.54.28

Current Period Part A Existing Account Details - Mortgage Home Loan / Pension-backed lending / Vehicle and Asset Finance Other/ Credit linked
Insurance
Monies Received Monies Distributed
Plan Received Expected Actual Credit Provider Reference Expected Actual Date Status Balance* Account Number 5705680457
5221008360659127
Date Date Amount Amount Amount Amount Distributed Account Description SBSA REGULAR BLUE
2014-04-05 2014-04-05 1,500.00 .00
Collection Submitted Hyphen Pda PDA Fees 57.00 .00 Waiting Collection .00 Linked Insurance Policy Description N/A
Mr Price Group (MR Price) 0169128741 68.39 .00 Waiting Collection 1,538.43
NCA Account Type Code BC
Truworths 10100133517963 90.06 .00 Waiting Collection 2,055.03
Woolworths (Eastonberry/Consumer Friend 400154******1012 119.56 .00 Waiting Collection 5,267.52 Debt Restructuring Account Type Code UF
Woolworths (Eastonberry/Consumer Friend 600785******2374 293.64 .00 Waiting Collection 13,250.20
Woolworths (Eastonberry/Consumer Friend 600785******0967 55.30 .00 Waiting Collection 1,251.19 Goods Description (only for Vehicle and Asset Finance) N/A
Insure Group Managers Pty Ltd 7612100015085 192.54 .00 Waiting Collection -577.62
Debt Matters T/A Consumer Debthelp Aftercare Fees 85.50 .00 Waiting Collection .00
Inception Date Of Loan/Facility / Policy 08/12/2005
ABSA Credit Cards 547119******1019 239.85 .00 Waiting Collection 10,606.21 Expiry Date Of Loan / Facility 31/01/2019
Standard Bank Credit Cards 512055******3533 298.16 .00 Waiting Collection 13,586.92
Original Repayment Term N/A
* Please note that the balances listed on this statement are indicative only of your indebtedness to the Credit Provider and are not guaranteed to be accurate. The opening balances were provided by your Debt Counsellor
to Hyphen PDA and Hyphen deducts any payments made from the balance provided. The Credit Provider remains responsible for the accuracy of the outstanding balance and will provide an updated balance of your Date Of Default N/A
indebtedness to you or the Debt Counsellor annually, or upon request, or when your final settlement is reached and/or negotiated.
Outstanding Balance (as at date of default) N/A
Should you require clarity on this Consumer Statement or should you not be in agreement with this statement in any way, please contact your Debt Counsellor on the number listed in the header of this statement
Credit Limit(for Credit Card/Current Account) R9000.00
Next Period
Outstanding Balance (at date of COB, Incl. Balloon Payment & Arrears BUT Excl. Future R8722.07
Monies to Receive Monies to Distribute Interest.)
Plan Received Expected Actual Credit Provider Reference Expected Actual Date Status
Date Date Amount Amount Amount Amount Distributed
Gross Monthly Instalment (Incl. Capital, Interest, Fees & Insurance) R252.29
2014-06-05 1,500.00 Monthly Service Fees (excluding insurance) R0
Hyphen Pda PDA Fees 57.00
Mr Price Group (MR Price) 0169128741 68.39
Annual Service Fees (excluding insurance) R400.00
Truworths 10100133517963 90.06 Date Of Annual Service Fees 08/12/2014
Woolworths (Eastonberry/Consumer Friend 400154******1012 119.56
Woolworths (Eastonberry/Consumer Friend 600785******2374 293.64 Insurance and / or Assurance Premiums (Only) N/A and N/A
Woolworths (Eastonberry/Consumer Friend 600785******0967 55.30
Insure Group Managers Pty Ltd 7612100015085 192.54 Interest Rate 18.00%
Debt Matters T/A Consumer Debthelp Aftercare Fees 85.50 Method Of Payment (Debt Order /EFT/Cash) Cash or EFT
ABSA Credit Cards 547119******1019 239.85
Standard Bank Credit Cards 512055******3533 298.16 Included / Excluded From Debt Review Included
continued...
Consumer: John Doe
Joseph Desmond Daniels Debt Counsellor: Debt Busters
Reason Code if Excl N/A
ID No: 750214087452
680515 5648 088 PDA No: 1030255000128B Account Details: 4769054689
53709005805 Bank Branch: 250655

Collection Date: 2014-06-02 Part B Payment Instructions

Monies Received Bank Name Standard Bank
Expected Amount Actual Amount Status
DIRECTORS: Gert Kruger (Chairman), CR Bayford (Chief Executive Officer), A Marin, F Truter, S Patel, Bruce Unser (Company Secretary) Bank Account Number 5221008360659127
R12,744.00 12,744.00 Deposit Received
Hyphen (Pty) Limited a member of THE FIRST RAND LIMITED GROUP Bank Branch Code N/A
Monies Distributed
Credit Provider Reference Exp Amount Act Amount Status Date Account Name SBSA REGULAR BLUE
Hyphen Pda PDA Fees R435.84 R435.84 Paid 2014-06-02 Reference Number (payment identifcation) Debt Review
American Swiss 0011010001017578330 R109.29 R109.29 Paid 2014-06-02
Bayport Financial Services 1513408004 R866.67 R866.67 Paid 2014-06-02
CONSENT TO SERVICE OF DOCUMENTS - CERTIFICATE OF BALANCE
Bayport Financial Services 2366722005 R474.03 R474.03 Paid 2014-06-02 This serves to confirm that we will accept service of legal documents or court applications via e-mail or facsimile at the following address or number :
Bayport Financial Services 1513408005 R197.07 R197.07 Paid 2014-06-02 Credit Provider Details
Bayport Financial Services 2366722003 R660.74 R660.74 Paid 2014-06-02
Credit Provider Name
Bayport Financial Services 2366722004 R1,268.55 R1,268.55 Paid 2014-06-02
For Attention : Standard Bank
Blue Bean (Standard Bank) 5274662206872496 R319.26 R319.26 Paid 2014-06-02
Tel No : Standard Bank Debt Review Fax No :011 981 8824
Call Direct 85181311346 R609.08 R609.08 Paid 2014-06-02 0861 111 402 Email :DRLegal@standardbank.co.za
Direct Axis (Wesbank Only) 85206677667 R961.77 R961.77 Paid 2014-06-02
**This document constitutes a reprint of an existing COB. This field is not available in this COB format. Should you require the COB to be reissued in the new format which includes these fields,
Edgars 7000100100018487132 R170.20 R170.20 Paid 2014-06-02 kindly contact our offices.
Foshini 0010010000497035953 R106.52 R106.52 Paid 2014-06-02
Lewis Stores 310999 R403.38 R403.38 Paid 2014-06-02
Mr Price Group (MR Price) 0026785200 R55.67 R55.67 Paid 2014-06-02
Truworths 10100150929442 R130.20 R130.20 Paid 2014-06-02
Finchoice 1418088 R279.08 R279.08 Paid 2014-06-02

1
RCS Personal Finance (Consumer Friend) 5008141286 R243.23 R243.23 Paid 2014-06-02
Total Sports 0016110001032001894 R66.29 R66.29 Paid 2014-06-02

OPENING BALANCE
MFC-Division Of Nedbank Ltd 45863330001 R2,963.12 R2,963.12 Paid 2014-06-02
ABSA Credit Cards 4787690068568012 R496.67 R496.67 Paid 2014-06-02
ABSA Credit Cards 5471196036626013 R121.91 R121.91 Paid 2014-06-02
FNB Personal,Student & Easy Plan Loans 4000023519552 R765.53 R765.53 Paid 2014-06-02
FNB Cheque,Overdraft,Smart Act,One Act,Commercial
62307520917 R101.69 R101.69 Paid 2014-06-02
Standard Bank Credit Cards 5221008360659127 R162.03 R162.03 Paid 2014-06-02
Standard Bank Pers & Bus Current Accs & Loans 041671643 R776.18 R776.18 Paid 2014-06-02

HISTORY
Collection Date: 2014-05-20

Hyphen: Credit Provider:

Monies Received
Expected Amount Actual Amount Status
R13,944.00 6,600.00 Deposit Received

Monies Distributed
Credit Provider Reference Exp Amount Act Amount Status Date

Hyphen Pda PDA Fees R476.88 R225.72 Paid 2014-05-20

DebtBusters receives your Credit providers should use the same opening
American Swiss 0011010001017578330 R69.12 R17.34 Paid 2014-05-20
Bayport Financial Services 1513408004 R1,188.33 R298.02 Paid 2014-05-20
Bayport Financial Services 2366722005 R649.36 R162.85 Paid 2014-05-20
Bayport Financial Services 1513408005 R269.33 R67.55 Paid 2014-05-20

opening balance from your balance that they provide to DebtBusters at

Bayport Financial Services 2366722003 R905.54 R227.10 Paid 2014-05-20
Bayport Financial Services 2366722004 R1,030.95 R258.55 Paid 2014-05-20
Blue Bean (Standard Bank) 5274662206872496 R201.90 R50.63 Paid 2014-05-20
Call Direct 85181311346 R345.86 R86.74 Paid 2014-05-20

Credit Provider at beginning of beginning of debt review process. However, in some

Direct Axis (Wesbank Only) 85206677667 R570.42 R143.06 Paid 2014-05-20

debt review process. This is the instances, a credit provider may use a different
same opening balance that is opening balance, such as the account balance on
used by Hyphen. the day when a court order was granted, which
could result in different opening balances.

2 IMPACT OF MISSED OR SHORT PAYMENTS

Hyphen: Credit Provider:
If you miss a payment or If you miss a payment or short-pay, your Credit
short-pay, Hyphen does not add Provider may add interest to your account balance,
interest to your account balance. which would further increase your account balance.

3 IMPACT OF CREDIT LIFE INSURANCE

Hyphen: Credit Provider:
Hyphen does not know whether Your Credit Provider knows whether you have a
you have a value add product like value add product like credit life insurance on an
credit life insurance on an account. If you do not pro-actively cancel this credit
account. Therefore, the impact of life insurance, then it remains active and will
this insurance payment is not increase your Credit Provider balance until it is
reflected on Hyphen’s balance. cancelled.

4 IMPACT OF YOUR NEGOTIATED INTEREST RATES

Hyphen: Credit Provider:
Hyphen calculates your Your Credit Provider has the right to apply the new
remaining account balance negotiated interest rate to your account balance at
based on the new interest rate any time between start of debt review process and
negotiated on your behalf by granting of a court order, which could take a few
DebtBusters. Hyphen applies months. DebtBusters or Hyphen have no control
this new interest rate to your over when a Credit Provider applies the negotiated
account balance as soon as you interest rate to your account balance, and as a result
start the debt review process. of this, your credit provider balance may be different
from your Hyphen balance.

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