Asset Backed Programmes

Disclaimer: Securitisations of assets originated by The Standard Bank of South Africa Limited

Asset backed transactions and note programmes, administered by The Standard Bank of South Africa Limited, its holding company any subsidiary or any of its affiliated companies (“Standard Bank”).

Information contained herein is only intended to provide general information about the transactions listed below or to provide public access to information about the programmes required in terms of South African legal and/or regulatory requirements. The information is published at the request of or on behalf of the Issuers listed below. The information herein is believed to be reliable and has been obtained from sources believed to be reliable, but Standard Bank makes no representation or warranty, express or implied, with respect to the fairness, correctness, accuracy, reasonableness or completeness of the information. In addition Standard Bank has no obligation to update, modify or amend this communication or to otherwise notify a reader in the event that any matter stated herein, or any opinion, projection, forecast or estimate set forth herein changes or subsequently becomes inaccurate.

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Standard Bank is not acting and does not purport to act in any way as an advisor or in a fiduciary capacity. We therefore strongly suggest that recipients of this information seek their own independent advice in relation to any investment, financial, legal, tax, accounting or regulatory issues discussed herein.

This communication is provided for information purposes only. It is not intended to provide the basis for any credit or other evaluation, and is not an offer to sell, or a solicitation of an offer to buy, any security, nor to enter into any agreement or contract with any member of the Standard Bank group or its affiliates. Any offering or potential transaction that may be related to the subject matter of this communication will be made pursuant to separate and distinct documentation and in such case the information contained herein will be superseded in its entirely by such documentation in final form.

Notes issued and outstanding from time to time under each transaction or programme are and will be obligations solely of the Issuer concerned in accordance with the terms of the applicable transaction documents. The Notes will not be obligations of, or the responsibility of, or guaranteed by Standard Bank. No liability whatsoever in respect of any failure by any Issuer to pay any amount due in respect of any Notes will be accepted by Standard Bank.

This information is not intended for distribution to, or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

By accepting the information contained herein, you agree to be bound by the foregoing limitations.

I have read, and understood the disclaimer conditions put before me.

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