Sustainably improving the lives of thousands of South Africans through the provision of responsible and affordable home improvement finance.

1. Sustainably improving the lives of
thousands of South Africans through the
provision of responsible and affordable
home improvement finance.
GIIN INVESTOR FORUM

2. Contents
Our story ....................................................................2
Product offering........................................................3
The “FlexibuildTM
” feature......................................3
Buildware merchant partners...............................4
Loan origination process........................................6
Borrower demographics.........................................7
The Real People impact...................................8 - 9
Company structure................................................10
Funding structure.................................................... 11
Funding partners..................................................... 11
Contact details........................................................ 12
Our story
As a part of the Real People Group, Real People
Home Finance (RPHF) sustainably improves the
lives of thousands of South Africans through
the provision of responsible and affordable
home improvement finance, thereby facilitating
improved access to housing, building materials
and services.
Through a distribution channel of approximately
1 000 build-ware retailers and a thorough under-
standing of its market segment, RPHF develops
and offers appropriate product offerings that
are efficiently distributed through an innovative
distribution platform.
There is an overwhelming need for improved
housing in South Africa and this is not
anticipated to dissipate in the foreseeable
future. Customers in our market segment often
do not have convenient and or cost effective
access to alternative forms of finance. RPHF
has originated approximately 450 000 loans
to date and continues to make a significant
impact in addressing the demand for housing
and home-improvement activity.
RPHF is the leading provider of home
improvement finance in South Africa and
supports its lending operations through
finance raised through various capital market
instruments.
2

3. 3
Real People Home Finance (Pty) Ltd, registration number 2016/067411/07, NCRCP8134. Terms & conditions apply to all advertised offers.
ERRORS AND OMISSIONS EXCEPTED. All loan applications are subject to final credit approval.
For more info visit realpeople.co.za
Find out more about our in-store.
TM
TM
Product offering
• R1 000 – R120 000 (approx. €7 200).
• Loan terms up to 48 months.
• Loan proceeds disbursed directly to
merchants. Ensures impact maximised, no
leakage of funds being used for unintended
purposes.
• Up to 30% of the loan amount can be paid
out to the borrower, to cover labour and other
building costs.
• Credit Life cover for death, disability or
retrenchment is included.
The “FlexibuildTM
” feature
• A product specifically designed
to meet the needs of a building
project.
• A borrower has up to 6 months
to draw down on the loan
amount.
• Using mobile phone technology
borrowers authorise multiple
payments to merchants as and
when they need the funds.
• Importantly, our customers
only make repayments and pay
interest on the amounts they
have drawn.
▲ A typical example of FlexibuildTM
loan communication.

4. Nationwide footprint of buildware merchant partners
• RPHF has a competitive advantage in the
market due to the strong relationships
forged with its merchant partners and its
solid platform for in-store credit operations
(origination and loan underwriting).
• There is as significant market
opportunity in South Africa for
RPHF loan products. The need for
improved housing in South Africa
is not anticipated to dissipate in
the foreseeable future.
• RPHF continues to grow its market presence
in its aim to ensure customer needs are met.
4

5. 5
for your home improvement and building needs*
Apply for your home improvement finance here**
R
Real People Home Finance (Pty) Ltd, registration number 2016/067411/07, NCRCP8134. *Terms & conditions apply to all advertised offers. ERRORS AND OMISSIONS EXCEPTED. **All loan applications are subject to final credit approval. ***Subject to all required documents being submitted when
initially applying for the loan and all underwriting criteria being met. Nothing contained in this, or any other co-branded marketing material, must be construed as Real People Home Finance (Pty) Ltd being in partnership with Build it as same is not the nature of the legal relationship between such
parties. Real People Home Finance (Pty) Ltd and Build it are unrelated parties that operate independently of each other.

6. • Loans are originated in stores using the RPHF
origination system, ORCA.
• Certain employees in the stores have access
to ORCA to facilitate the application process
and help customers complete their loan
applications, but have no control over the
outcome of loan applications in terms of
whether they are approved or not.
• The ORCA system is integrated with external
parties to assess credit history and evaluate
historical fraudulent behaviour.
• Credit scoring is performed via RPHF’s
proprietary credit scorecard.
• Account holder verification is performed via
the local banks in South Africa.
• Disbursement to the stores is performed via
traditional bank channels. Collection activities
are conducted by the Group’s DMC business
unit, largely via direct debits from customer
bank account.
• Risk management is a key strategic capability:
• With over 10 years of experience in the
building supply sector, we have built up
significant skill, competence and a strong
team in the unsecured credit risk space.
• Importantly, experience gained in managing
the business through difficult
cycles both with regards
to the merchants and
the credit quality
of the end
customer.
Loan origination processApplication
Capture
Document
Management
Reporting
Merchant
Communication
AHV (Account Holder
Verification)
HTH Integration
Disbursement of Funds
Activate Debtors
Management System (DMC)
Contact the Customer
MEC
(Merchant Management)
Integration with
External Providers
Application Vetting
Web Based Application
Capture
SOA (Service Oriented Architecture) Flexible,
Re-usable & Robust
Database
6

7. 7
Borrower demographics
▲ The average income of Real People Home Improvement Finance borrowers is
approximately ZAR10 000 (EUR 600) per month
Distribution by basic income bands
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
16 000
14 000
12 000
10 000
8 000
6 000
4 000
2 000
0
ZAR
2015-Q4
2016-Q1
2016-Q2
2016-Q3
2016-Q4
2017-Q1
2017-Q2
Jul2017
Aug2017
Sep2017
Oct2017
Nov2017
Dec2017
Jan2018
Feb2018
Mar2018
Apr2018
May2018
Jun2018
R15k - R20k >R20k Average incomeR10k - R15kR0 - R3k R3k - R7.5k R7.5k - R10k

8. What our customers said:
Mrs Namhla Madolo from Kokstad, KwaZulu-
Natal.
Ms Madolo, a teacher by profession and a mother
of three children, completed building her family
home in Msukeni village.
She took out six consecutive home improvement
loans from Real People and managed to build her
family home from foundation until completion
within a few short months.
The impact of Real People Home Finance
Merisha Mageshule from Gauteng
With the help of Real People Home Finance, Mrs. Magashule
created her dream home.
“I met a lady at my local buildware store who told me about
how the Real People loan works. She also explained the
payment terms to me.
I began building very quickly because they delivered the
materials very soon after my loan was approved,” she enthuses.
8

9. What our customers said:
9
The impact of Real People Home Finance
Mayibongwe from Mthatha
He is a qualified Teacher.
He visited the local Buffalo
Timber store where he met a
representative from Real People
Home Finance.
Mayibongwe was not able to pay
cash for the materials, so had
to apply for a loan. “It was not
difficult to apply for the loan and
within two hours of submitting
all the necessary documents,
a loan was approved,” noted
Mayibongwe.
Yoliswa from Maiden Farm in
Umtata
Her dream was to build a
house for her children, so that
if she is not here one day they
will always have a house.
She added two bedrooms,
a garage, a lounge and a
kitchen, to her existing house.
Yoliswa noted she still wants
to add more flats behind her
house because she has a
big family; her children and
grandchildren including all
her visitors.
“It was so easy to work with
Real People Home Finance; I
went back again and again to
build my dream house!”, she
said.

10. Company structure
Established in 2001, the Real People Group owns
andoperatesbusinesseswithinattractivemarket
niches where it is able to sustain competitive
advantage and growth. The group employs
approximately 1000 people. Real People
Home Finance is a subsidiary company of Real
People Investments Holdings Limited. The
group’s other businesses include DMC, which is
a market leading South African debt collection
company specializing in the acquisition,
collection and fair resolution of late stage arrear
consumer debt. Real People Assurance provides
credit life and other assurance products, mainly
to group customers.
Real People
Assurance
Company Ltd
Real People Investment Holdings Ltd*
Real People
Home Finance
(Pty) Ltd
DMC Debt
Management
(Pty) Ltd
* Only main operating subsidiaries shown.
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11. 11
Funding structure
Umuzi Finance (“Umuzi”) has been established as the funding vehicle for Home Finance. Umuzi is
established for the benefit of investors as a bankruptcy remote secured funding vehicle. Proceeds
raised from investors are utilised to purchase eligible loans from Home Finance as depicted in the
funding diagram below:
RPHF
Umuzi Finance
Owner Trust
DMC
(Servicer) Investors
RPHF
(Seller)
Umuzi Finance
(Issuer)
Umuzi
Security SPV
Security SPV
Owner Trust
Preference
Shares
Collecting and
Servicing the
Loan Portfolio
Guarantee
Sale of Assets
(HF loans)
Issues Senior and Sub Debt
(governed by CTA and loan
agreements/ PNs etc.)
Borrower Indemnity
Cession of Security
100%
Ordinary
Shares
Current funding partners

12. Real People Home Finance, 160 Jan Smuts Avenue, Rosebank, South Africa
Group Chief Executive Officer: Neil Grobblaar
E: NGrobbelaar@realpeople.co.za | M: +27 82 926 3480
Chief Executive Officer - Home Finance: Stef Fourie
E: Stef.Fourie@realpeople.co.za | M: +27 82 441 4000
Director - Umuzi Finance: Werner Nel
E: WNel@africafrontier.co.za | M: +27 82 416 7915
www.realpeople.co.za
Contact details
12
Real People Home Finance (Pty) Ltd, registration number 2016/067411/07, NCRCP8134.