Amended faulty Instruction

21/8/2017 Amended instruction received in only A Linde. Rate: 0,15% below Prime Credit life a condition. 21/8/2017 Amendment request sent to FNB to re-look rate as per initial instruction @ 0,35% and not 0,15% 21/8/2017 Amended instruction received from FNB. Rate corrected as 0,35% below prime. Credit life a condition. 21/8/2017 The customer (Mrs. Annemarie Linde) has not taken up the FNB Basic Mortgage Protection Plan. The onus is on your firm to obtain the customer's Own Life Cover Policy and to obtain the signed Life – 106(6)(B) and the Cession Form from the customer. Please submit the above documents with the copy of the Life Cover policy to ********** and you are required to wait for the "life cover has been met" message from the bank before you may submit your document compliance pack. 24/8/2017 The customer (Mrs Annemarie Linde) has not taken up the FNB Basic Mortgage Protection Plan. The onus is on your firm to obtain the customer's Own Life Cover Policy and to obtain the signed Life – 106(6)(B) and the Cession Form from the customer. Please submit the above documents with the copy of the Life Cover policy to ********** and you are required to wait for the "life cover has been met" message from the bank before you may submit your document compliance pack. 04/9/2017 Bond Documentation signed. 13/9/2017 Libery Policy provided to Credit life for approval as per required process, we await life cover condition to be met in order to upload the compliance pack. 14/9/2017 Amended instruction received from bank. Rate – now at 0,25% Credit life condition EXCLUDED as a condition. 14/9/2017 Please be advised that the Liberty life policy has been received and loaded accordingly. 15/9/2017 Please be advised Liberty life cession noted on our record, please proceed. 15/9/2017 Escalation to HL Attorneys to request clarity on” What about the amended instruction sent in the interim excluding life cover as well as interest rate change. 18/9/2017 Amended instruction received, from BANK interest rate corrected of 0,35%below prime. Amended instruction STILL exclude the condition with regards to life cover? If you exclude the Life cover condition, Ms van der Linde need to resign documentation. What is evident further, that the messages received from bank on 15/9 confirming that Life cover is noted and on record, Please proceed

– How can we proceed if FNB changed the instruction condition, and Life cover is not a condition anymore?

It is of the utmost importance that you:

1. Correct your instruction either including the life cover condition, or advise us to proceed and initialise the Compliance pack, noting that Home loan agreement and Quote signed , will be where life cover is a condition of the loan, and NOT as per amended instructions received.