NCR_Language

Official language policy proposal for all Micro Financier Offices using the CMS Sofware:

The purpose of this official language policy proposal is to ensure compliance with Section 63 of the National Credit Act, No. 34 of 2005 ("the Act").

Section 63 gives a consumer the right to receive any document that is required in terms of the Act in an official language that the consumer reads or understands, to the extent that is reasonable having regard to usage practicality, expense, regional circumstances and the balance of the needs and preferences of the population ordinarily served by the person required to deliver that document.

"CMS" Credit Providers herewith submits a proposal to the National Credit Regulator that it will make the documents available in the following official languages and will offer each consumer the opportunity to choose from these languages:

Documents	Languages proposed	Implementation Date
1. Pre-agreement statement and Quotation	Afrikaans English Ndebele Sepedi Sesotho Setwana Siswati Tsivenda Xhosa Xtsonga Zulu	1 Nov 2009 1 Apr 1993 1 Sept 2010 1 Apr 2011 1 Jul 2011 1 Jul 2011 1 Jul 2011 1 Jul 2011 1 Jun 2011 1 Jul 2011 1 Jul 2010
2. Credit agreement	Afrikaans English Ndebele Sepedi Sesotho Setwana Siswati Tsivenda Xhosa Xtsonga Zulu	1 Nov 2009 1 Apr 1993 1 Sept 2010 1 Apr 2011 1 Jul 2011 1 Jul 2011 1 Jul 2011 1 Jul 2011 1 Jun 2011 1 Jul 2011 1 Jul 2010
3. Enforcement notices (including the notice in terms of section 129)	Afrikaans English Ndebele Sepedi Sesotho Setwana Siswati Tsivenda Xhosa Xtsonga Zulu	1 Nov 2009 1 Apr 1993 1 Sept 2010 1 Apr 2011 1 Jul 2011 1 Jul 2011 1 Jul 2011 1 Jul 2011 1 Jun 2011 1 Jul 2011 1 Jul 2010
4. Marketing and advertising	Afrikaans English Ndebele Sepedi Sesotho Setwana Siswati Tsivenda Xhosa Xtsonga Zulu	1 Nov 2009 1 Apr 1993 1 Sept 2010 1 Apr 2011 1 Jul 2011 1 Jul 2011 1 Jul 2011 1 Jul 2011 1 Jun 2011 1 Jul 2011 1 Jul 2010
5. Call centre and branch staff	Afrikaans English Ndebele Sepedi Sesotho Setwana Siswati Tsivenda Xhosa Xtsonga Zulu	1 Nov 2009 1 Apr 1993 1 Sept 2010 1 Apr 2011 1 Jul 2011 1 Jul 2011 1 Jul 2011 1 Jul 2011 1 Jun 2011 1 Jul 2011 1 Jul 2010
6. Any other related area not mentioned above: (i) (ii) (iii)	n/a	n/a

CapeNET will endeavour to get the necessary Documents in place before the deadlines above mentioned.

However any help whatsoever with Language Translations from English to whatever Language in this proposal will be welcomed.

On completion each office that fully complies with the Language specifications required a Certificate will be made available at each Branch.

Any enquiries can be made to me @: 0218561854 / 0734463387/ cms@mfn.co.za

Thank you.

DP Steyn

CEO

CapeNET