B.Ed Degree 2019 - irp-cdn.multiscreensite.com · B.Ed Degree 2019 The North-West University is now offering a Bachelor of Education Degree Programme through distance learning with

B.Ed Degree 2019

The North-West University is now offering a Bachelor of Education Degree Programme through distance learning with online study material and support. Registrations are handled by Open Learning Group. Offered in:

- Foundation Phase - Intermediate Phase - Senior/FET Phase

Admission Requirements

A National Senior Certificate with Degree Endorsement / University Exemption and an APS score of 24 or higher.

Additional Requirements Must own a tablet or laptop which is Wi-Fi enabled. Basic computer literacy with personal internet access. Must be able to attend ALL contact sessions at a study centre

one afternoon per week from 14:00 – 18:00. See list of study centres attached.

Must be able to do 3 weeks practical per semester at an approved school.

Admission Process Submit your application together with certified copies of:

Your SA Identity Document (must be certified) Your National Senior Certificate

Send, email or fax your application and the required documentation to:

P O Box 669 [email protected] Fax: 086 630 4900 Parow 7499

Who Can Do This Programme The Bachelor in Education Degree is open to anyone who meets the admission criteria. This qualification is designed for beginner teachers who want to obtain a professional teaching qualification on NQF Level 6 that is on par with the requirements set by the Department of Education for educators. Study Material Students will receive all study material electronically and must have personal internet access to download support material. Also a tablet or laptop with Wi-Fi is necessary as this must be brought along to the contact sessions.

Contact Sessions There will be compulsory contact sessions once a week from 14:00 to 18:00 (normally on Thursday afternoons) at dates that will be determined. Contact sessions will only be conducted at the study centres listed separately.

Exams The programme starts in January each year. First semester exams are written in June and second semester exams in October each year. List of exam centres can be found on page 3 of the application form.

Course Fees The current cash price (2018) for the B.Ed per year is R22 140.

Fundi Loan Option – Monthly Deduction B.Ed Degree Fees per Year 12 Months 24 Months

Loan Amount R 22 140.00 R 22 140.00 Interest Payable R 2 822.15 R 5 623.20 Monthly Service Fees R 504.00 R 1 008.00 Initial Fee R 735.00 R 735.00 Total Amount Payable R 26 201.15 R 29 506.20 No of Installments 12 24 Monthly Installment R 2 183.43 R 1 229.44 Annual Interest Rate 22.75% 22.75%

Contact Us Office: 021 930 2651 Fax2email: 086 630 4900

Email: [email protected]

P.O. Box 669 13 Wrench Rd Parow Parow 7499 7500

APPLICATION FORM | Page 1

Matric year C C Y Y

HOW TO APPLY

APPLICATION FORM (Unit for Open Distance Learning)

1. Complete the application form in full and answer all questions. 2. Write in block letters in the squares and use a black pen. 3. Applicant must only submit one application form. 4. Please note that the allocation of an application number does not necessarily mean that you have been accepted as a student. 5. Please include a certified copy of your ID, marriage certificate (if applicable), Gr 11 or Gr 12 results, record of previous university’s results (if applicable).

1. QUALIFICATION STUDENT NUMBER_______________________

Application year C C Y Y

Qualification type Undergraduate Qualification Postgraduate Qualification

FIRST CHOICE STUDY

Qualification Programme – see website Code

Study centre

SECOND CHOICE STUDY (NOT COMPULSORY)


Study centre

THIRD CHOICE STUDY (NOT COMPULSORY)


Study centre

Were you previously enrolled at any tertiary institution? Y N Were you previously registered for this qualification? Y N

Were you previously enrolled at this tertiary institution? Y N Were / Are you a Univprep student? Y N

2. BIOGRAPHICAL INFORMATION

Country of origin South Africa International – please specify

Surname Initials Title

Date of birth C C Y Y M M D D Gender M F

ID Number

First name(s) Preferred name

Cell Number 2nd Contact Number

Maiden name/Surname at birth

Marital status Divorced Married Single Other - specify

*Religious affiliation Christian Hindu Muslim Other - specify

*Population group Asian Black Coloured White Other

Disability Do you use a wheelchair? Y N *Although this information is important for statistical purposes, answering is optional.

SEND TO: P.O.Box 669

Parow, 7466 or

Fax: 086 630 4900 Email: [email protected] Office Phone: 021 930 2651

308 Emile Beselaar 073 520 1889


Preferred method of correspondence SMS Email

3. CONTACT DETAILS OF THE STUDENT

I hereby grant permission to the NWU to disclose my personal information as defined in the Protection of Personal Information Act (4 of 2013) to third parties, including bursary providers, financial institutions, parents and guardians, potential employers, etc. I understand that I have the right at any time to withdraw this consent by submitting such a request in writing.

Yes

No

*Note that the policy of the NWU is to preferably communicate via email.

Preferred method of account correspondence SMS Email

Email address

Confirm Email address

Account Email address

Confirm account Email address

STREET ADDRESS / COURIER ADDRESS (COMPULSORY)

Country of origin South Africa International - please specify Postal code

Street address

POSTAL ADDRESS – IF AVAILABLE


Postal address

ACCOUNT ADDRESS – IF DIFFERENT


Account address

CONTACT NUMBERS

Cellphone/contact number International dialing code

Account cellphone/contact number International dialing code

4. SCHOOL SUBJECT INFORMATION

SA Education Department Other Education Systems (e.g. Cambridge)

Grade Gr 11 Gr 12 School year C C Y Y

Education department (e.g. NW Dept. of Education)

School

Do you have any brother(s) or sister(s) who are (or have ever been) registered at this institution? Yes No


C C Y Y M M D D

5. POST-SCHOOL INFORMATION

Compulsory for all undergraduate students.

Will this be your first second/further registration at a tertiary institution?

Have you ever written any examination at tertiary level? Yes No

ACTIVITY IN THE YEAR PRIOR TO STUDY

School TVET Work Home Tertiary institution Other - specify

6. EMPLOYMENT HISTORY (IF APPLICABLE)

EMPLOYMENT 1

Occupation Employer

Start date C C Y Y M M D D End date C C Y Y M M D D

EMPLOYMENT 2

Occupation Employer


EMPLOYMENT 3

Occupation Employer


7. RELATIONSHIPS

Relationship (e.g. Father, Mother, Guardian, Next of Kin)

Surname Initials Title

ID Number

First name(s) Preferred name

Cellphone/contact number International dialing code

STUDENT SIGNATURE: DATE:


Date C C Y Y M M D D

Date C C Y Y M M D D

Date application is processed C C Y Y M M D D

University number (office use):

8. OFFICE USE ONLY

RECOMMENDATION BY FACULTY/SELECTION COMMITTEE

Application approved Application rejected Year level to which admitted

Other recommendations

Snr/Faculty Administrator/chairperson

RECOMMENDATION BY THE SCHOOL DIRECTOR

NOTE: Only applicable to postgraduate applications, excluding Master ’s/Doctoral students

Application approved Application rejected

Other recommendations

School director

FOR OFFICE USE ONLY TB P

Year 2 0

University number: Other:

Title: Initials: Surname:

Journal entry Bursary

Tuition fee: R T K P J B

First payment: R T K P J B

Age exemption / Postgraduate: R T K P J B

Total R

Receipt number: Date: Signature:

Amount Received

First Payment

Signature:


Choose the programme for which you want to apply ACT - Advanced Certificate in Education Level 6 � ACT – Foundation Phase

� ACT – Intermediate Phase Choose ONE First Major (must be a current Maths teacher if you choose Maths as First/Second Major) �Mathematics � Social Science � Science and Technology � Life Skills Choose ONE Second Major (not the same as First Major) � Mathematics � Social Science � Science and Technology � Life Skills

� ACT – Senior & FET Phase NEW! Choose ONE Major � Technology � Social Science � Natural Science � Life Orientation � English First (Home) Language � Economic and Management Science � Mathematics (must be a current Maths teacher to do Maths)

ADE – Advanced Diploma in Education Level 7 � ADE – Special Needs Education

GRADE R DIPLOMA Level 6 � Grade R Diploma � First Year � Second Year � Third Year

B.Ed – Bachelors of Education Degree Level 7 � B.Ed – Foundation Phase � First Year � Second Year � Third Year

� B.Ed – Intermediate Phase � First Year � Second Year � Third Year

� B.Ed – Senior and FET Phase � First Year � Second Year � Third Year

B.Ed Honours Degree Level 8 � B.Ed(Hons) Degree (Level 8) Choose ONE Specialisation � Curriculum Studies � Learner Support � Mathematics Education � Life Orientation � Education Management, Law & Systems

BA Degree in Public Governance with Specialisation in Policing Practice Level 7 � BA Degree with Policing Practice � First Year � Second Year � Third Year

You can fax to 086 203 7792

Registration – North West University – B.Ed Degree

Thank you for your enquiry and congratulations on taking a step to a better future by furthering your studies with the North-West University. We are committed to provide Distance Education of a high standard. To help us to process your application please ensure that the following documents are included with your application:

1. Copy of your ID 2. Marriage certificate (married woman only) 3. Copy of your Matric Certificate 4. Copy of deposit slip(s) – R 22 140-00 5. Use your student number as reference 6. If you do not have a student number the you must use your ID number

as reference and pay into the NEDBANK account only!

To complete application form: Sign on page 3

Bank Account Nr Branch

ABSA 407 009 9350 632 005

FNB 6216 190 7335 240 438

Nedbank 1713 378 531 171 338

Standard Bank 33 038 4465 052 838

Send all documents to the following: Po Box 669 Parow 7499 Or FAX TO 086 203 7792 Or email [email protected]

Yours faithfully

Emile Beselaar (Study Advisor) Cell no. 073 520 1889 Office: 021 930 2651

mailto:[email protected]

Registration – North West University B.Ed Degree

Thank you for your enquiry and congratulations on taking a step to a better future by furthering your studies with the North-West University. We are committed to provide Distance Education of a high standard. To help us to process your application please ensure that the following documents are included with your application:

1. Copy of your ID 2. Marriage certificate (married woman only) 3. Certified copy of your Std 10/ matric certificate 4. Latest salary advise 5. 3 Months bank statements 6. Wil form (PR02)

Work Integrated Learning Form (PR02 form) must be completed by the principal

You must also complete and sign the Terms and Conditions form as applicant. Spouse must sign if married in COP and two witnesses must also sign. Complete the applicant and student’s details on the fundi form. # Do not complete the consumer’s income details # You must also complete bank details.

Send all documents to the following:

Po Box 669 Parow 7499 Or FAX TO 086 203 7792 Or email [email protected]

Yours faithfully

Emile Beselaar (Study Advisor) Cell no. 073 520 1889 Office: 021 930 2651

mailto:[email protected]

0018

3

“Pre-Agreement Statement, Quotation and Loan Agreement in terms of Section 92 and 93 of the National Credit Act, 34 of 2005. Fundi Capital (Pty) Ltd (formerly Edu-Loan (Pty) Ltd) is a registered credit provider (NCRCP 158) Co. Reg. 1996/003961/07

QUOTATION:

Accommodation Loan

Book Loan Educational Tools (For example laptop or tablet)

Study Loan International Study Loan (refer to Point 11 on the T&Cs).

Payment of the loan amount and foreign transfer payment is made directly by the Credit Provider to the Service Provider.If the Student cancels his/her studies at the Service Provider, any credit on the Student’s account will be credited to Fundi’s account to offset administration costs incurred.

A4

Loan amount:

Interest:

Initiation fee (charged upfront; incl. VAT):

Total monthly service fees (included in instalment; incl. VAT):

Total amount repayable:

Number of monthly instalments:

Monthly instalment amount:

Annual Interest Rate:

R

R

R

R

R

R

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,

,

,

,

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Race (Research Black Asian Gender:

Female Marital status:

Married COP ANC No. of Dependants:and Reporting Coloured White Male Single Divorced Widowed on Statistics):

APPLICANT’S INCOME INFORMATIONMonthly gross salary (ie. before company deductions and other company contributions)

Net monthly company salary (cash salary) (i.e. after company deductions and tax)

Other income (i.e. maintenance, pensions, rental income, etc.)

Total monthly expenses (i.e. food, clothes, insurance, housing etc.)

Other monthly debt repayments (i.e. home loan, car loan, other loans)

Disposable (Net) income

R

R

R

R

R

R

,

,

,

,

,

,

A3

COMMENTS RELATING TO INCOME

Are you currently under or have you applied for debt review, sequestration, liquidation or administration? Yes NoIf married in community of property, is your spouse currently under or has applied for debt review, sequestration, liquidation or administration. Yes No

PAYMENT HISTORY

Surname: Tel (work):

Name: Tel (home):Physical Tel (Payroll officer):address:(domicile)

Code:

Employee No:

Email address:

Title: ID No:APPLICANT’S DETAILS

A1 Cell:

Employer:

Occupation: Years in service:

Income Status: Permanent Contract worker Temporary

Postaladdress:

Code:

PAYMENT OR DEBIT ORDER INFORMATIONThe Parties agree that the Credit Provider will advance the Loan Amount to the Applicant and pay it to the above Educational Institution for the above student. The Applicant undertakes to repay the Total Amount repayable in the number of monthly instalments as detailed in the Repayment Schedule above. Where applicable, the Applicant authorises his/her Employer specified above to deduct the monthly instalments from his/her salary. Any charges levied by the Employer to effect the salary deduction will be for the account of the Applicant and the Employer will recover the costs directly from the Applicant’s salary. If this salary deduction is deducted through inter alia Persal/Persol/SASSA system, the deduction will be deemed to be administered by the Credit Provider itself or on behalf of the Educational Institution indicated above. If the Credit Provider does not have a deduction agreement with the Applicant’s Employer, or if a salary deduction cannot be executed or is not applicable, the Applicant authorises the Credit Provider to deduct the monthly instalments from the bank account specified below via a debit order. All debit order deductions will be aligned with the Repayment Date, which will be the salary date of the Applicant as specified below. The Applicant will ensure there are enough funds in his/her account on the Repayment Date and agrees to pay any bank charges for this debit order authority and instruction. The Credit Provider may track the Applicant’s account every day until the Applicant has paid off everything the Applicant owes for that repayment cycle. Should the Credit Provider become aware of a change to the salary date or the bank account details of the Applicant, the Credit Provider has the right to change the debit order details accordingly. The Applicant agrees to let the Credit Provider know of any changes to the Applicant’s salary date, bank account details or the date on which there are enough funds in the Applicant’s bank account to cover the repayment amount. If the Repayment Date falls on a weekend or public holiday, the Applicant agrees that the Credit Provider may deduct the repayment amount from the Applicant’s salary or debit the Applicant’s bank account on the first business day thereafter. The Applicant agrees that this debit order authority and mandate will apply to any amendments or extensions of the Loan Agreement. The Applicant understands that cancellation of this debit order authority and mandate will not cancel the Loan Agreement and that any amounts deducted from the Applicant’s salary or withdrawn from the Applicant’s bank account under this authority cannot be claimed back if they were legally owed to the Credit Provider. The Applicant acknowledges that the Credit Provider may cede or assign (give) this debit order authority and mandate to a third party or another credit provider if it has also ceded or assigned the Loan Agreement to that third party or credit provider.

A5

Title:

Surname:

Full names:

ID No:

Student No:

Email address:

Tel (work):

Cell:

STUDENT’S DETAILS

1 2 3 4+

A2

Course Faculty:University or Institution:

Course studying:

Year of Study:

Course type: Certificate/Diploma Undergraduate Post-

Other Graduate

Fundi, Constantia Office Park,Cnr 14th Ave & Hendrik Potgieter Road, Weltevreden ParkPO Box 5287, Weltevreden Park 1715

Call Centre: 0860 55 55 44Fax No: 086 633 3832 | 086 6333841/3Email: [email protected] Number 1

LOANS APPLICATION FORM

Tax InvoiceVAT No: 4550176798 | Initiation & admin fee are VAT inclusive

Repayment Schedule:

Repayment Date: (This date is the same as the Applicant's salary date.)

The first payment will begin on and monthly thereafter for

months with the final payment to be made on

(Formerly known as Edu-Loan)

0018

3

“Pre-Agreement Statement, Quotation and Loan Agreement in terms of Section 92 and 93 of the National Credit Act, 34 of 2005 Fundi Capital (Pty) Ltd (formerly Edu-Loan (Pty) Ltd) is a registered credit provider (NCRCP 158) Co. Reg. 1996/003961/07


Applicant

D D / M M / Y Y

Spouse(if married in Community of Property to Applicant)

D D / M M / Y Y D D / M M / Y Y

Witness 1

D D / M M / Y Y

Witness 2

By signing this Application Form, the Applicant confirms that the information provided therein is to his/her knowledge and belief true and correct, and that no information required for evaluating the loan application has been omitted. The Applicant acknowledges that, subject to the correctness of the information supplied in this Application Form, if approved, the Application Form will constitute a Pre-agreement Statement and Quotation and acceptance thereof will constitute a binding Loan Agreement on the above Terms and Conditions read with Part B hereof, the contents of which are deemed to be incorporated herein. Call 0860 55 55 44 for assistance in completing this form.

A6

OFFICE USE ONLY

Commission agent code:

Agent’s Name: ID:

Signature of Credit Provider Representative Date:

COMMUNICATION OPTIONS (Applicant preferences)■ STANDARD MARKETING COMMUNICATIONS. The Applicant opts to be excluded in the Credit Provider's distribution of marketing material.

■ Where did you hear about us:

Yes No■ BUSINESS COMMUNICATION. Preferred method of communication:

Mobile SMS Email Ordinary Mail

BANK ACCOUNT DETAILS

Name of the Bank:account holder:Branch code: Account No:Type of account: Salary Date:Preferred date of Salary deduction first deduction: reference number:Debit Order reference number: EDU-LOAN (Loan Account Number)

LOANS APPLICATION FORMFundi, Constantia Office Park,Cnr 14th Ave & Hendrik Potgieter Road, Weltevreden ParkPO Box 5287, Weltevreden Park 1715


Tax InvoiceVAT No: 4550176798 | Initiation & admin fee are VAT inclusive (Formerly known as Edu-Loan)

0018

3

1. THE EDUCATIONAL LOAN AGREEMENT (“the Loan Agreement”)1.1 TheLoanAgreementconsistsofPartA,beingthePre-agreementStatement,QuotationandRepaymentScheduleaswellasthisPartB,beingthetermsandconditions,andinthecase

ofEquipmentFinance,includestheEquipmentApplicationFormattachedhereto,oncesignedbytheParties,anditistheonlyrecordoftheissuesaddressedherein.1.2 TheLoanAgreementisenteredintobyandbetweenFundiCapital(Pty)Ltd(“theCreditProvider”)andtheApplicantdetailedinPartA.1.3 TheCreditProviderisregisteredintermsoftheNationalCreditActNo.34of2005(“NationalCreditAct”)undernumberNCRCP158.1.4 ThesupplyoftheEquipmentintermsoftheFundiToolsApplicationFormattachedhereto,isenteredintobyandbetweenFundiTechnologies(Pty)Ltd(formerlyEdu-Loan)

Technologies(Pty)Ltd(“FundiTechnologies”)andtheApplicantdetailedinPartA.1.5 TheApplicantunderstandsthat:

1.5.1 ThetermsandconditionsapplicabletotheLoanAgreementwillatalltimesbesubjecttotheprovisionsoftheNationalCreditAct.1.5.2 ThetermsandconditionsapplicabletothesaleoftheEquipmentwillatalltimesbesubjecttotheConsumerProtectionActNo.68of2008.

1.6 “PrimeInterestRate”meansthepubliclyquotedvariableannualbasicrateofinterest,publishedfromtimetotimebythebankersoftheCreditProviderasbeingtheirprimerateandascertifiedbytheauditorsoftheCreditProvider,whoseappointmentitshallnotbenecessarytoprove.DetailsofsuchbankerswillbeprovidedtotheApplicantwhensorequestedinwriting.

1.7 “Applicant”meansthepersonwhosedetailsarereflectedonPartAoftheApplicationFormwhethercapturedonpaper,orviaelectronicmeanssuchasvoicerecordings,computergeneratedandcaptureddataorsimilarmeans.

2. PAYMENTS2.1 TheRepaymentSchedulecontainedinA4ofPartAsetsouttheinformationrelatingtothecreditextended.2.2 TheApplicantmustmakeconsecutivemonthlypaymentstotheCreditProviderthataredueandpayableintermsofthisLoanAgreementonorbeforetheRepaymentDate(whichdateis

thesameastheApplicant’ssalarydate)withoutset-offordeduction.2.3 TheCreditProviderwillcrediteachpaymentmadeundertheLoanAgreementtotheApplicant’saccountonthedateofreceiptofthepaymentasfollows:

2.3.1 firstly,tosatisfyanydueorunpaidinterestcharges;2.3.2 secondly,tosatisfyanydueorunpaidfeesorcharges;2.3.3 thirdly,toreducetheamountoftheprincipaldebt.

2.4 TheCreditProviderwillmakethepaymentoftheLoanAmount,assetoutinA4ofPartAtotheServiceProvider.“ServiceProvider”referstotheEducationalInstitution,EduxtrasDebitCardoranyotherthirdpartythatprovidesservicesorgoodsrelatedtoandforaneducationalpurposeandasapprovedbytheCreditProvider.

2.5 TheEducationalInstitutionswillnotbepermittedtorefundanyofthefundspaidtoitbytheCreditProvidertothestudentortheApplicant.TheunusedfundswillbetransferredbacktotheCreditProviderandcreditedagainsttheApplicant’saccount.TheCreditProviderwillthereafterrefundtheApplicantintothebankaccountprovidedforinA5ofPartAorifamendedintothelatestbankaccountprovidedtotheCreditProviderinwriting,ifsuchrefundisduetotheApplicant.

2.6 TheApplicantmaymakeadditionalpaymentstosettletheLoanAgreementearlyorpaymonthlyinstalmentsearlierwithoutgivinganynoticeorpayinganypenaltytotheCreditProvider.2.7 Thesalaryand/ordebitorderdeductions,whicheverisapplicable,willbealignedwiththeRepaymentDateasdirectedbytheApplicantinA5ofPartA.2.8 TheApplicantundertakestoinformtheCreditProviderinwritingofanychangesrelatedtohis/herpaymentmethodand/orhis/heremploymentstatus.

3. COSTS, FEES AND CHARGES3.1 TheinterestandfeesonamountsinarrearswillbethesameastheinterestrateandfeeschargedinrespectoftheLoanAgreement.3.2 TheCreditProvidermaychargeandrecoverthefollowingfeesinrespectoftheLoanAgreementprovidedthatthesefeesdonotexceedtheprescribedlegalmaximumintermsofthe

NationalCreditAct:3.2.1 AninitiationfeeinrespectofthecostsofinitiatingtheLoanAgreementwhichwillbeleviedonthedatetheLoanAgreementissigned.ShouldtheApplicantwishtopaythe

initiationfeeupfront,kindlycall0860555544forassistance.IftheApplicantisunabletopaytheinitiationfeeupfront,theCreditProviderwillreflecttheinitiationfeeseparatelyontheLoanAgreementandwillnotchargeinterestontheinitiationfee;

3.2.2 AmonthlyservicefeerecoverablebytheCreditProviderinconnectionwiththeroutineadministrationcostofmaintainingtheLoanAgreementwillbeleviedattheendofeachmonthtowhichitrelates;

3.2.3 DefaultadministrationchargestocoveradministrationcostsincurredasaresultoftheApplicantdefaultingonobligationsundertheLoanAgreement;3.2.4 Collectioncosts,beingamountsthatmaybechargedbytheCreditProviderinrespectoftheenforcementoftheApplicant’smonetaryobligationsundertheLoanAgreementnot

exceedingthemaximumamountdeterminedbytheNationalCreditAct,anddoesnotincludedefaultadministrationcharges.3.3 TheApplicantacknowledgesthattheinterestrateisapreferentialinterestratebasedontheApplicant’sriskprofile.3.4 Theinterestrateapplicabletoallagreements,excludingEquipmentfinanceagreements,isfixedfortheperiodoftheLoanAgreementprovidedthatitdoesnotexceedtheprescribedlegal

maximumintermsoftheNationalCreditAct.Theinterestiscalculatedonadailybasisontheoutstandingbalance,overaperiodofa365-dayyear,whichischargedmonthlyinarrearsandisdueandpayableimmediatelyandisdebitedtotheApplicant’saccountonthelastdayofeachmonth.

3.5 ThevariableinterestrateapplicabletoEquipmentfinanceislinkedtothePrimeInterestRatefortheperiodoftheLoanAgreementprovidedthatitdoesnotexceedtheprescribedlegalmaximumintermsoftheNationalCreditAct.Ifatanytime,andtotheextentthat,theinterestratedoesexceedthelegalmaximumintermsoftheNationalCreditAct;thentheinterestrate(beinglinkedtothePrimeInterestRate)shallbereducedaccordingly.Theinterestiscalculatedonadailybasisontheoutstandingbalance,overaperiodofa365-dayyear,whichischargedattheendofthemonthonamonthlybasisinarrearsandisdueandpayableimmediatelyandisdebitedtotheApplicant’saccountonthelastdayofeachmonth.

4. EARLY SETTLEMENT AND ACCOUNT TERMINATION BY APPLICANT4.1 TheApplicantunderstandsthathe/shemayatanytime,andwithoutpenalty,terminatetheLoanAgreementbypayingthesettlementamountowedtotheCreditProvider.4.2 ShouldtheApplicantdecidetosettleorterminatetheLoanAgreement,arequestforasettlementamountmaybemadetotheCreditProvideratthecontactnumber0860555544.

ThesettlementamountprovidedbytheCreditProvidershallbethetotaloftheunpaidbalanceoftheprincipaldebt,theunpaidinterestchargesandallotherfeesandchargesuptothesettlementdate,andfurther,willbevalidfortheperiodstatedonthesettlementletterprovidedtotheApplicant.

4.3 Takenotethatthecancellationofthesalarydeductioninstruction,duetotheearlysettlementand/oradditionalpaymentsmadeontheaccountbeforethedateofthelastinstalmentagreedtobytheParties,maytakeupto2(two)months.However,anyinstalmentreceivedbytheCreditProviderduringthisperiodaftertheloanhasbeensettledinfullwillberefundedtotheApplicantifduetohim/her.

4.4 Notwithstandingtheprovisionsof4.1and4.2above,inordertovalidlycanceltheLoanAgreementtheApplicantmustcanceldirectlywiththeEducationalInstitutionaswellaswiththeCreditProviderbyprovidingawrittennoticeofcancellationand/ortermination.

4.5 ShouldcancellationorterminationoftheloantakeplaceafterthefundshavebeenpaidovertotheServiceProvider,whetherornotaconfirmationsliphasbeenissued,theApplicantwillbeliabletopayoverthefundstotheCreditProvider.

5. STATEMENTS5.1 TheApplicantrequeststhattheCreditProviderissuesstatementsofaccount(“statement”)atthree-monthintervals.5.2 TheCreditProviderwillmakeavailabletotheApplicantastatementonanyexistingloan,settingoutallchargeslevied,allpaymentsreceivedandthebalanceoutstanding.Thisstatement

ofaccountcanbeviewedandprintedfromthewww.myFundi.co.zaafterregisteringasauser.5.3 TheApplicantmaydisputeallorpartofthestatementprovidedforbysendingtheCreditProviderawrittennoticetothiseffect.

6. DEFAULT AND DEFAULT ADMINISTRATION COSTS 6.1 DefaultintermsofthisLoanAgreementoccursif:

6.1.1 TheApplicantfailstomakepaymentsthataredueintermsoftheLoanAgreement;6.1.2 TheApplicantfailstocomplywiththetermsandconditionsoftheLoanAgreement;6.1.3 AnadministrationorderinrespectoftheApplicantorhissuretyisissued;6.1.4 AjudgmentisgrantedagainsttheApplicantandsameisnotsettledorrescindedwithin30(thirty)daysfromthedatethereof;6.1.5 TheApplicantfurnishesanyincorrectand/oruntrueinformationregardinghimselfand/orhisfinancialpositiontotheCreditProvider.

6.2TheCreditProvidermaytracktheApplicant’saccounteverydayuntiltheApplicanthasrepaidtheloanadvancedintermsofthisLoanAgreementinfull.ANAEDO(Non-Authenticated 6.EarlyDebitOrder)trackerwillbeplacedontheApplicant’saccountintheeventthereisanymoneyinarrearsandtheApplicantauthorisestheCreditProvidertocollecttheamountin 6.arrearsbywayofaNAEDOdebitorder. 6.3Implicationofdefaultmentionedin6.1: TheCreditProviderwillprovidetheCreditBureauxwithinformationaboutthenegativepaymenthistoryoftheApplicant,whichwillaffecttheApplicant’spaymentprofileattheCreditBureaux.ThismaynegativelyaffecttheApplicant’screditstatusatanyorganisationmakingenquiriesattheCreditBureaux.Also,legalactionprocess,whichmayresultinadditionalcoststotheApplicantandasdetailedbelowin6.4,willbeinstitutedagainsttheApplicant.

ANNEXURE: TERMS AND CONDITIONS PART B

“Pre-Agreement Statement, Quotation and Loan Agreement in terms of Section 92 and 93 of the National Credit Act, 34 of 2005. Fundi Capital (Pty) Ltd (formerly Edu-Loan (Pty) Ltd) is a registered credit provider (NCRCP 158) Co. Reg. 1996/003961/07

QUOTATION:

Accommodation Loan

Book Loan Educational Tools (For example laptop or tablet)

Study Loan International Study Loan (refer to Point 11 on the T&Cs).

Payment of the loan amount and foreign transfer payment is made directly by the Credit Provider to the Service Provider.If the Student cancels his/her studies at the Service Provider, any credit on the Student’s account will be credited to Fundi’s account to offset administration costs incurred.

A4

Loan amount:

Interest:

Initiation fee (charged upfront; incl. VAT):

Total monthly service fees (included in instalment; incl. VAT):

Total amount repayable:

Number of monthly instalments:

Monthly instalment amount:

Annual Interest Rate:

R

R

R

R

R

R

,

,

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,

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,%

Race (Research Black Asian Gender:

Female Marital status:

Married COP ANC No. of Dependants:and Reporting Coloured White Male Single Divorced Widowed on Statistics):

APPLICANT’S INCOME INFORMATIONMonthly gross salary (ie. before company deductions and other company contributions)

Net monthly company salary (cash salary) (i.e. after company deductions and tax)

Other income (i.e. maintenance, pensions, rental income, etc.)

Total monthly expenses (i.e. food, clothes, insurance, housing etc.)

Other monthly debt repayments (i.e. home loan, car loan, other loans)

Disposable (Net) income

R

R

R

R

R

R

,

,

,

,

,

,

A3

COMMENTS RELATING TO INCOME

Are you currently under or have you applied for debt review, sequestration, liquidation or administration? Yes NoIf married in community of property, is your spouse currently under or has applied for debt review, sequestration, liquidation or administration. Yes No

PAYMENT HISTORY

Surname: Tel (work):

Name: Tel (home):Physical Tel (Payroll officer):address:(domicile)

Code:

Employee No:

Email address:

Title: ID No:APPLICANT’S DETAILS

A1 Cell:

Employer:

Occupation: Years in service:

Income Status: Permanent Contract worker Temporary

Postaladdress:

Code:

PAYMENT OR DEBIT ORDER INFORMATIONThe Parties agree that the Credit Provider will advance the Loan Amount to the Applicant and pay it to the above Educational Institution for the above student. The Applicant undertakes to repay the Total Amount repayable in the number of monthly instalments as detailed in the Repayment Schedule above. Where applicable, the Applicant authorises his/her Employer specified above to deduct the monthly instalments from his/her salary. Any charges levied by the Employer to effect the salary deduction will be for the account of the Applicant and the Employer will recover the costs directly from the Applicant’s salary. If this salary deduction is deducted through inter alia Persal/Persol/SASSA system, the deduction will be deemed to be administered by the Credit Provider itself or on behalf of the Educational Institution indicated above. If the Credit Provider does not have a deduction agreement with the Applicant’s Employer, or if a salary deduction cannot be executed or is not applicable, the Applicant authorises the Credit Provider to deduct the monthly instalments from the bank account specified below via a debit order. All debit order deductions will be aligned with the Repayment Date, which will be the salary date of the Applicant as specified below. The Applicant will ensure there are enough funds in his/her account on the Repayment Date and agrees to pay any bank charges for this debit order authority and instruction. The Credit Provider may track the Applicant’s account every day until the Applicant has paid off everything the Applicant owes for that repayment cycle. Should the Credit Provider become aware of a change to the salary date or the bank account details of the Applicant, the Credit Provider has the right to change the debit order details accordingly. The Applicant agrees to let the Credit Provider know of any changes to the Applicant’s salary date, bank account details or the date on which there are enough funds in the Applicant’s bank account to cover the repayment amount. If the Repayment Date falls on a weekend or public holiday, the Applicant agrees that the Credit Provider may deduct the repayment amount from the Applicant’s salary or debit the Applicant’s bank account on the first business day thereafter. The Applicant agrees that this debit order authority and mandate will apply to any amendments or extensions of the Loan Agreement. The Applicant understands that cancellation of this debit order authority and mandate will not cancel the Loan Agreement and that any amounts deducted from the Applicant’s salary or withdrawn from the Applicant’s bank account under this authority cannot be claimed back if they were legally owed to the Credit Provider. The Applicant acknowledges that the Credit Provider may cede or assign (give) this debit order authority and mandate to a third party or another credit provider if it has also ceded or assigned the Loan Agreement to that third party or credit provider.

A5

Title:

Surname:

Full names:

ID No:

Student No:

Email address:

Tel (work):

Cell:

STUDENT’S DETAILS

1 2 3 4+

A2

Course Faculty:University or Institution:

Course studying:

Year of Study:

Course type: Certificate/Diploma Undergraduate Post-

Other Graduate

Fundi, Constantia Office Park,Cnr 14th Ave & Hendrik Potgieter Road, Weltevreden ParkPO Box 5287, Weltevreden Park 1715



Tax InvoiceVAT No: 4550176798 | Initiation & admin fee are VAT inclusive

Repayment Schedule:

Repayment Date: (This date is the same as the Applicant's salary date.)

The first payment will begin on and monthly thereafter for

months with the final payment to be made on

(Formerly known as Edu-Loan)

Initial:

Applicant Spouse

0018

3

6.4 IntheeventthattheApplicantdefaults,thefollowingprocesswillbefollowedbytheCreditProvider:6.4.1 ProvidetheApplicantwithwrittennoticeofsuchdefaultdemandingthattheApplicantrectifythedefault;and6.4.2 Advisehim/herthathe/shemayreferthisLoanAgreementtoadebtcounsellorandanalternativedisputeresolution,consumercourtor,ifapplicable,anombudwithjurisdiction;6.4.3 TheCreditProvidermayrequirepaymentbytheApplicantofdefaultadministrationchargesinrespectofeachletternecessarilywrittenintermsofPartCofChapter6ofthe

NationalCreditAct.SuchpaymentmaynotexceedtheamountpayableinrespectofaregisteredletterofdemandinundefendedactionintermsoftheMagistrates’CourtsAct,1944inadditiontoanyreasonableandnecessaryexpensesincurredtodeliversuchletter.Inaddition,andifapplicable,theCreditProvidermaychargecollectioncosts,whichmaynotexceedthecostsincurredbythecreditproviderincollectingthedebt–

(a) totheextentlimitedbyPartCofChapter6oftheNationalCreditAct,and(b) intermsof:(i)theSupremeCourtAct,1959,(ii)theMagistrates’CourtAct,1944,(iii)theAttorneysAct,1979;or(iv)theDebtCollector’sAct,1998,whicheverisapplicableto

theenforcementoftheLoanAgreement.6.4.4 TheCreditProvidermayapproachthecourtforanordertoenforcetheLoanAgreementonlyif,atthattime,theApplicantisindefaultandhasbeenindefaultundertheLoan

Agreementforatleast20(twenty)businessdaysand:(a)atleast10(ten)businessdayshaveelapsedsincetheCreditProviderdeliveredanoticetotheApplicantascontemplatedinSection86(9),orSection129(1)oftheNationalCreditAct,asthecasemaybe;(b)inthecaseofanoticecontemplatedinSection129(1),theApplicanthas–(i)notrespondedtothatnotice;or(ii)respondedtothenoticebyrejectingtheCreditProvider’sproposals.

6.4.5 TheCreditProviderwillprovidetheApplicantatleast20(twenty)businessdays’noticeofitsintentiontoreporttotheCreditBureauxadverseinformationabouttheApplicant’sdefaultbehaviourorenforcementactiontakenagainsttheApplicant.

6.4.6 TheCreditProvidermayreportadverseinformationabouttheApplicant’sdefaultbehaviourorenforcementactiontakenagainsttheApplicanttotheCreditBureauxiftheApplicantdoesnotbringthepaymentsdueundertheLoanAgreementuptodatewithinthe20(twenty)businessdays’notice.TheApplicant’screditprofileattheCreditBureauxandcreditworthinessmaybenegativelyaffectedbytheadverseinformationheldbytheCreditBureaux.

6.4.7 TheCreditProvidermayrequesttheServiceProvider,iflegallypossibleandatthesoleandabsolutediscretionoftheCreditProvider,towithholdtheacademicresultsoftheStudentintermsoftheagreementbetweentheCreditProviderandtheServiceProvider.

6.5 IntheeventofsuchdefaulttheCreditProviderwillbeentitledatitsownandabsolutediscretionandafterconsultation,toextendtherepaymentperiodagreedtoinPartAforarequiredperiodofmonthsneededtorepaytheloaninfullnotallowingtheinstalmenttoexceedtheinstalmentagreedtoinPartAexceptwheretheinstalmentdueislessthanagreedto.

6.6 Theinterestiscalculatedandchargedasmorefullydetailedin3.3.and3.4aboveandisdebitedtotheApplicant’saccountasagreedinA4andA5ofPartA.

7. ACCOUNT TERMINATION BY CREDIT PROVIDERIntheeventofadefaultasmentionedin6,theCreditProvidermayterminatetheLoanAgreementaccordingtotheprovisionsoftheNationalCreditAct.

8. ADDRESSES FOR RECEIVING OF DOCUMENTS8.1 TheApplicantchoosesthephysicaladdressasprovidedinPartA,fortheservingoflegalnotices.Thepostaladdresswillbeusedforthesendingofothernoticesanddocumentation,

forexamplethestatementofaccountifnoemailaddresshasbeenprovidedbytheApplicantinPartAoftheLoanAgreement.8.2 TheCreditProviderchoosesitsphysicaladdressassetoutinPartAoftheLoanAgreementfortheservingoflegalnoticesandotherdocumentationortheApplicantmayforwardsuch

[email protected] Bothpartiesagreetoinformtheotherofthechangeofthenoticeaddress,postaladdress,telefaxnumberoremailaddressassoonaspossibleafteranysuchchange.Thechangewillbe

effectiveonthe5th(fifth)businessdayafterreceiptofsuchnotice.8.4 ThepartiesagreethatthenoticewillonlybevalidifitisinwritingandsenttotheaddressasstipulatedinPartAoftheLoanAgreement.

9. INFORMATION DISCLOSURE9.1 TheCreditProvidershallnotdiscloseanyconfidentialinformationobtainedinthecourseofexecutingtheLoanAgreementtooutsidethirdpartiesunlessobligedtodosobylawora

courtorderorwhereconsenthasbeenprovidedintermsofthesetermsandconditionsandasrecordedinthisPartBoftheLoanAgreement.9.2 ByenteringintotheLoanAgreementtheApplicantacknowledges,agreesand/orcondonesthattheCreditProvidermayprovidetoanyoftheCreditBureauxlistedin9.6below,any

adverseinformationintheformatprescribedbysuchCreditBureauxandprovidedforbytheNationalCreditAct.SuchCreditBureauxprovideacreditprofileandpossiblyacreditscoreonthecreditworthinessofthepersonsubjecttotherecord.

9.3 TheApplicantconsentstotheCreditProviderforwarding,atitssoleandabsolutediscretion,adverseinformationrelatingtotheLoanAgreementtotheServiceProviderand,withoutlimitingtheforegoing,intheeventofdefaultoriftheStudentand/ortheApplicantisreasonablybelievedtohavefraud.

9.4 TheCreditProvidermayprovidedetailstotheSouthAfricanFraudPreventionServices(“SAFPS”)ofanyconductontheApplicant’saccountorLoanAgreementthatgivestheCreditProviderreasonablecausetosuspectthattheconductisofafraudulentnature.

9.5 Bymakingtheapplicationforfundingonthetermssetherein,theApplicantconsentsand/orratifiestotheCreditProviderobtainingfromtheCreditBureauand/orNationalLoanRegistertheApplicantscreditrecordandpaymenthistoryand,withoutderogatingfromtheforegoing,thattheCreditProvidercanelectnottoprovidethefinanceappliedforimmediatelyonreceiptofanyinformationthattheApplicanthasfailedhis/heraffordabilitytestasprescribedbytheNationalCreditAct.

9.6 TheApplicanthastherighttocontacttheCreditBureauwiththefollowingcontactdetailstohavetheApplicant’srecorddisclosedandtorequestthecorrectionofinaccurateinformation:CompuscanTelephone:0218886000Email:[email protected]

Expert Decision Systems XDS Telephone:0116459100Email:[email protected]

Experian Credit BureauTelephone:0861105665Email:[email protected]

TransUnion CreditTelephone:0112146000Email:[email protected]

10. DISPUTE RESOLUTION10.1 TheApplicantagreesthatintheeventofanydisputeorcomplainthe/shewillinformtheCreditProviderthereofinwritinginordertoresolvetheissueathand.TheApplicantmay

[email protected] IntermsoftheNationalCreditActtheApplicantmayalsoattempttoresolveanycomplaintordisputeregardingtheLoanAgreementby:

10.2.1 alternativedisputeresolution;10.2.2 referringthecomplaintordisputetotheNationalCreditRegulatorestablishedintermsoftheNationalCreditAct;or10.2.3 bymakinganapplicationtotheNationalConsumerTribunalestablishedintermsoftheNationalCreditAct.

10.3 TheNationalCreditRegulatormaybecontactedon0860627627/info@NCR.org.zaandtheNationalConsumerTribunalmaybecontactedat0126635615/0860627627.

11. PAYMENTS TO INTERNATIONAL EDUCATIONAL INSTITUTIONS11.1 TheCreditProviderwillfinanceSouthAfricanstudentsstudyingabroadaswellasforeignstudentsstudyinginthedesignatedcountryorabroad.TheApplicantmust,however,workand

resideinSouthAfrica.11.2 TheCreditProviderwillmakeallpaymentsintheSouthAfricanRandcurrencyandintermsoftheSouthAfricanBankingandpaymentsystem.Foravoidanceofdoubt,themonies

stipulatedintheloanapplicationwillbepaidinSouthAfricanRandsdirectlytotheInternationalEducationalinstitution.Intheeventofashortfallinthefeesduetocurrencyfluctuationsorforeignexchange,theApplicantwillbeliabletopaytheInternationalEducationalinstitutiontheoutstandingamounts.

11.3 TheApplicantwillresponsibleforallbankcharges.11.4 Loanpaymentswilltakeupto45daysfromdateofapprovaltobepaidintotheInternationalEducationalInstitutionaccount.11.5 TheCreditProvidermayatanytimeoffsetexchangeratefluctuationsforpaymentstoInternationalEducationalInstitutions.

12. WARRANTIES IN RESPECT OF EQUIPMENT12.1 FundiTechnologies(Pty)LtdwarrantsthatthewarrantyontheEquipment,whichisgivenbytheServiceProvider,isvalidforaperiodof____year(s)fromthedateofdelivery

oftheEquipmentbytheServiceProvidertotheStudent.Theaccessories(ifany)totheEquipment,alsogivenbytheServiceProvider,isvalidfor_______year(s).12.2 ThewarrantyonEquipmentspecificallyexcludescrackedscreensandanyformofnegligencebytheApplicantand/orStudent,detectedbytheServiceProvider.12.3 TheApplicantwarrantsthattheStudentwillbeandremainthebeneficiaryoftheEquipmentuntiltheloanadvancedhereinhasbeensettledinfull.

13. GENERAL13.1 AnyagreedchangestothisLoanAgreementwillbemadeinwritingandsignedbybothpartiestotheagreementorelectronicallyvoicerecordedbytheCreditProvider.TheCreditProvider

willwithin20(twenty)businessdaysafterthedateofagreedchangetotheLoanAgreementdelivertotheApplicantbywayofemail,postalorfaxasagreedtobythepartiesatthetimeoftheamendment,adocumentreflectingtheagreedamendments.TheamendedagreementwillnotcreateanewLoanAgreementunlessclearlystated.

13.2 TheLoanAgreementwillbegovernedbytheLawsoftheRepublicofSouthAfrica.13.3 WhereavailableatranslatedversionoftheLoanAgreementwillbeprovidedtotheApplicantuponrequest.Shouldanyambiguitiesoccurinthetranslatedversionofthetermsand

conditions,theEnglishversionwillgetpreference.13.4 TheCreditProvidermaywithoutconsentornoticetotheApplicant,cedeand/ordelegateanyofitsrightsand/orobligationsunderthisLoanAgreement.13.5 TheApplicantmayapplytoadebtcounsellortobedeclaredover-indebtedbyfollowingthefollowingprocedures,butnotaftertheCreditProviderhasstartedlegalactionin

termsof6.3above:13.5.1 InformtheCreditProvideroftheApplicant’sintentionofinitiatingthedebtcounsellingprocessbycontactingtheFundiCallCentreat0860555544;13.5.2 TheApplicantmustvisitanydebtcounsellorofhis/herchoiceandprovidethedebtcounsellorwithhis/herincomeandexpenseinformation;13.5.3 ShouldthedebtcounsellordeterminethattheApplicantisover-indebted,theymayissueaproposaltotheMagistrate’sCourtrecommendingthatitdeclaresoneormoreofthe

Applicant’sagreementstobereckless,ifapplicable,orthattheobligationsoftheApplicantberearranged;13.5.4 ThedebtcounsellorwillguidetheApplicantthroughtheprocessofdebtcounselling.

13.6 Ifatanytime,anyofthetermsorconditionsisfoundtobeillegal,unenforceableorinvalidinwholeorinpart,thentheremainingportionofsuchtermsandconditionswillremainbindingandinfullforceandeffect.

13.7 Intheeventthatthestudentcancelshis/herstudies,andacreditamountreflectsonhis/herstudentaccountattheServiceProviderasaresultofsuchcancellation,theamountwillbecreditedtotheCreditProvideraccount.ThesamewillbeapplicablewhentheCreditProvidermakesapaymentofaloanamountthatisinexcessoftheamountduetotheServiceProvider.

13.8 IntheeventofdeathorretrenchmentoftheApplicant,theoutstandingbalancewillberegardedasbeingrepaidinfull,providedthatnoamountspayableanddueatthatstageareinarrears.13.9 AnycommissiontobepaidtoanagentforassistingwiththecompletionoftheagreementwillhavenoinfluenceontheApplicant’scostofcreditandwillbethesameasanagreement

wherenoagenthasassistedtheApplicant.13.10 Tothemaximumextentpermittedbylaw,theApplicantherebyagreesthattheCreditProvidermay,withoutfurthernoticetotheApplicant,cedeallorpartoftheCreditProvider’srights

and/ordelegatealloranypartoftheCreditProvider’sobligationsunderthisAgreement,eitherabsolutelyorascollateraltoanyperson,ThirdPartyorCreditProvider,evenifsuchcessionorassignmentbytheCreditProviderresultsincedingitsLoanBooktoaThirdPartyorCreditProvider.

Initial:

Applicant Spouse

0018

3

14. DECLARATIONTheApplicant:14.1 TheApplicantacknowledgesthatitselectedtheCreditProviderfortheadvanceoftheloanandthatFundiTechnologieswillsourcetheEquipment,itbeingrecordedthattheService

ProvideroftheEquipment,inthecaseofEquipmentfinance,maynothavebeenapprovedbytheApplicantorStudent.Accordingly,theApplicantagreestoindemnifytheCreditProviderandFundiTechnologiesandtoholdthemharmlessagainstanylossordamagesfromanycausearisingwhichtheApplicantand/ortheStudentmaysustainorincurbyvirtueofanyactoromissionoftheServiceProviderinrelationtotheEquipmentfinancedintermsofthisAgreementreadwiththeFundiToolsApplicationForm.

14.2 Confirmsthathe/sheappliedforaloanwiththeCreditProviderandthattheinformationfurnishedthereinistohis/herknowledgeandbelief,trueandcorrectandthatnoinformationrequiredforevaluatingtheLoan/creditapplicationhasbeenomittedandacknowledgesthatsubjecttothecorrectnessthereof,ifapproved,theapplicationwillconstituteabindingLoanAgreement;

14.3 ConfirmsthattheApplicantandStudentunderstandthattheCreditProviderwilltakelegalactionagainstanypersonwhocommitsanyactthatcanbedefinedasfraudulent.TheCreditProviderwillbeentitled,withoutlimitation,toopenacaseoffraudagainsttheperpetratorandwillforwardsuchdetailstotheServiceProvider,whichwillfurtherbeentitledtotakeanyactionitdeemsfit;

14.4 UnderstandsthattheCreditProviderisnotanagentorrepresentativeoftheServiceProviderexceptforthepurposeofadministeringthePersaland/orPersolcodeand/ortheSASSAsystemasagreedbetweentheCreditProviderandtheServiceProviderandcannotbeheldresponsibleiftheServiceProviderfailstodelivereducationalservicestotheStudent;

14.5 AcknowledgesandconsentstotheCreditProviderusingNu-PayforpaymentrequestsmadefromtheApplicant’sbankaccountintermsofPartA;14.6 DeclaresthatbysigningthisLoanAgreement,he/sheacknowledgesthathe/shefullyunderstandstherisks,costsandobligationsassociatedwithenteringintotheLoanAgreement,

canafforditandthatsuchportionoftheLoanAgreementthatrequiredexplanationhasbeenfullyexplainedtohis/hersatisfaction.

SIGNEDAT ONTHIS DAYOF

Applicant Spouse(ifmarriedinCommunityofPropertytoApplicant)

Witness Witness

NPDE 2 2018Loan Amount R 10 500Interest Payable R 1 338.42Initiation Fee R 735.00Total Monthly fees R 504.00Total Repay R 13 077.42No# Installments 12Instalment amount R 1 089.79

Annual Interest Rate 22.75

NPDE 3 Loan Amount R 20 735 Loan Amount R 20 735Interest Payable R 2 643.06 Interest Payable R 5 266.34Initiation Fee R 735.00 Initiation Fee R 735.00Total Monthly fees R 504.00 Total Monthly fees R 1 008.00Total Repay R 24 617.06 Total Repay R 27 744.34No# Installments 12 No# Installments 24Instalment amount R 2 051.43 Instalment amount R 1 156.03

Annual Interest Rate 22.75 Annual Interest Rate 22.75

ACT Loan Amount R 18 360 Loan Amount R 18 360Interest Payable R 2 340.32 Interest Payable R 4 663.16Initiation Fee R 735.00 Initiation Fee R 735.00Total Monthly fees R 504.00 Total Monthly fees R 1 008.00Total Repay R 21 393.32 Total Repay R 24 766.16No# Installments 12 No# Installments 24Instalment amount R 1 828.28 Instalment amount R 1 031.94


ADE Loan Amount R 18 360 Loan Amount R 18 360Interest Payable R 2 340.32 Interest Payable R 4 663.16Initiation Fee R 735.00 Initiation Fee R 735.00Total Monthly fees R 504.00 Total Monthly fees R 1 008.00Total Repay R 21 393.32 Total Repay R 24 766.16No# Installments 12 No# Installments 24Instalment amount R 1 828.28 Instalment amount R 1 031.94


GRADE RLoan Amount R 17 820 Loan Amount R 17 820Interest Payable R 2 271.50 Interest Payable R 4 525.95Initiation Fee R 735.00 Initiation Fee R 735.00Total Monthly fees R 504.00 Total Monthly fees R 1 008.00Total Repay R 21 330.50 Total Repay R 24 088.95No# Installments 12 No# Installments 24Instalment amount R 1 777.54 Instalment amount R 1 003.72


B.ED DEGREE Loan Amount R 22 140 Loan Amount R 22 140Interest Payable R 2 822.15 Interest Payable R 5 623.20Initiation Fee R 735.00 Initiation Fee R 735.00Total Monthly fees R 504.00 Total Monthly fees R 1 008.00Total Repay R 26 201.15 Total Repay R 29 506.20No# Installments 12 No# Installments 24Instalment amount R 2 183.43 Instalment amount R 1 229.44


ADT Loan Amount R 19 440 Loan Amount R 19 440Interest Payable R 2 477.99 Interest Payable R 4 937.43Initiation Fee R 735.00 Initiation Fee R 735.00Total Monthly fees R 504.00 Total Monthly fees R 1 008.00Total Repay R 23 156.99 Total Repay R 26 120.43No# Installments 12 No# Installments 24Instalment amount R 1 929.75 Instalment amount R 1 088.37


B.Ed (Hons) Level 8Loan Amount R 21 600 Loan Amount R 21 600Interest Payable R 2 753.32 Interest Payable R 5 486.05Initiation Fee R 735.00 Initiation Fee R 735.00Total Monthly fees R 504.00 Total Monthly fees R 1 008.00Total Repay R 25 592.32 Total Repay R 28 829.05No# Installments 12 No# Installments 24Instalment amount R 2 132.96 Instalment amount R 1 201.22


Policing Loan Amount R 21 870 Loan Amount R 21 870Interest Payable R 2 787.73 Interest Payable R 5 554.62Initiation Fee R 735.00 Initiation Fee R 735.00Total Monthly fees R 504.00 Total Monthly fees R 1 008.00Total Repay R 25 896.73 Total Repay R 29 167.62No# Installments 12 No# Installments 24Instalment amount R 2 158.06 Instalment amount R 1 215.32


Documents

B.Ed Degree 2019 - irp-cdn.multiscreensite.com · B.Ed Degree 2019 The North-West University is now offering a Bachelor of Education Degree Programme through distance learning with