Welcome to TUHF. Where others see decline, we see investment opportunity.

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1 Welcome to TUHF Where others see decline, we see investment opportunity.

2 Where others see dirt and grime, we see the potential for safe, well maintained living areas. Where others see neglect, we see the opportunity for urban renewal. Where others see no hope for the future, we see the chance for property entrepreneurs dreams to flourish. Welcome to TUHF, where we finance, support and advise you on your property investment journey. To a lot of people, South Africa s inner cities seem intimidating and run-down. At TUHF, we - and entrepreneurs like you - know differently. We believe it is because of our many years of hands-on experience - and the fact that we have seen opportunity where others don t - that we have helped hundreds of likeminded entrepreneurs achieve their goals and ambitions. And as long as we continue sharing this vision together, we are confident we can help you turn your dreams of owning and managing your own property or properties - into a reality! 3

3 Before you take another step, let s have coffee! No brochure in the world can take the place of a face-to -face meeting. Even after reading this, you ll probably have more questions than answers. And no doubt you d like to meet the people you could be doing business with! So please, before you do anything, come and visit one of our expert Portfolio Managers. Simply call TUHF (8843) or visit our website to make an appointment. We re conveniently located in the inner cities of Johannesburg, Durban, Port Elizabeth, Cape Town and Bloemfontein and offer finance in the centres of surrounding cities such as Pretoria, Springs, Pinetown, East London and Uitenhage, to name a few. 4 5

4 What sets us apart from traditional banks What we can do for you! TUHF specialises in lending money to people from all backgrounds and all walks of life, from building caretakers to CEO s, policemen to property magnates, nurses to investors - for the purchase, refurbishment or conversion of inner city properties to multi-unit residential or mixed-use projects in South Africa s inner cities - where banks may think funding is too risky. The buildings we finance range from semi-detached houses to buildings with hundreds of units. This might involve upgrading or refurbishing an existing residential building or converting an existing office or light industrial warehouse into residential use or even for constructing an entire new building. We are a character based lending organisation. This means we look at the kind of person you are before we consider the project. Furthermore, our funding decision is based on the viability of the project, not on how much you earn or have in your bank account. At TUHF, we walk right beside you on your property investment journey. We provide advice in finding the correct building and area that s a good fit for you, as well as supporting you by negotiating a feasible purchase price. We support you regarding the decision-making of your service providers such as building contractors and property managers. We also inspect the work and ensure everything is completed to the highest standard, every step of the way. Do you have what it takes to be a TUHF entrepreneur? You should have a keen interest in property or property ownership. You need to have a good understanding of the area you d like to invest in and most importantly, you need to have the right characteristics such as honesty, integrity, reliability and willingness to work hard. You also need to believe in and have the good of the inner city at heart. 6 7

5 Products All our products are designed to make it easier and more affordable for you to achieve your goals. Property Finance Intuthuko Equity Fund Bridging Finance We provide a single loan facility over fifteen years with a prime-linked interest rate and a once-off raising fee. We do not charge monthly service fees. Included in this facility will be your loan for the property as well as any construction finance you would need for a new building, refurbishment or conversion. Our loans range from R up to R50 million and are paid back over 15 years. Generally, we fund 80% - with you being responsible for the other 20%. If you don t have the 20%, we will assess if you qualify for funding assistance (see Intuthuko Equity Fund). Below are the ways in which we can help you with finance: Through this fund we enable previously disadvantaged individuals who have never owned investment property before to come into the market by supporting them with equity. TUHF does not provide 100% loans and interested entrepreneurs are still required to contribute their portion of hard-earned money towards the transaction. Our bridging finance loans are short term unsecured loans that assist you in covering short term expenses while acquiring the property - such as obtaining the rates and clearance certificates, covering the payment balance of the purchase price, construction loans and for the rehabilitation of sectional title projects in the medium term. Purchase only. This is when no construction or refurbishment is necessary Purchase plus construction, including refurbishment Construction only. This includes conversion and refurbishment or a brand new build project Conversion from one type of building to residential, for instance office space or light industrial building to residential rental units such as bachelor, 1 bedrooms or 2 bedrooms A loan against increased or residual value of your existing property towards improvement or purchase of another property. Refinance. (Either an increase of an existing loan or a third-party bondholder for the property.) Depending on the project, we are also able to offer you a grace period during construction before you start paying back the loan. 8 9

6 Areas we finance: Listed below are the main areas we finance. If you have an area in mind (as long as it s in the inner city) please come and talk to us. Gauteng Arcadia Auckland Park Bellevue Bellevue East Berea Bertrams Bezuidenhout Valley Boksburg North Braamfontein Brakpan Brixton City and Suburban Cleveden Denver Doornfontein Fairview Florida Forest Hill Germiston Highlands Highlands North Hillbrow Jeppestown Johannesburg CBD Joubert Park Judiths Paarl Kempton Park Kenilworth Kensington Krugersdorp La Rochelle Lorentzville Malvern Marshall Town Melville New Doornfontein Newtown North Doornfontein Orange Grove Pretoria CBD Primrose Rosettenville Rouxville Selby Springs Sunnyside Troyeville Turf Club Turffontein Vanderbijlpark Westdene Witpoortjie Yeoville KwaZulu Natal Albert Park Bluff Durban Central Overport Eastern Cape Central Korsten North End Port Elizabeth Central Western Cape Salt River Observatory Rugby Ysterplaat Bloemfontein Navalsig Pietermaritzburg Central Pinetown Central Umbilo Warrick Avenue Richmond Hill Sidwell Uitenhage East London Central Voortrekker Corridor from Koeberg to Brackenfell Brooklyn Bloemfontein Central 10 11

7 How do I get started? We can start the application process as soon as you have identified an opportunity in the market. (You might even have an agreement of sale for the building.) Remember, before you do anything, please make an appointment to come and talk to one of our expert Portfolio Managers. Simply call TUHF (8843) or visit our website to make an appointment

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9 Gauteng 12th Floor, Libridge Building 25 Ameshoff street Braamfontein Johannesburg, (10) KwaZulu Natal 27th Floor, Embassy Building 199 Anton Lembede Street Durban, (31) Eastern Cape 2nd Floor, BCX Building 106 Park Drive St. George s Park Port Elizabeth, (41) Western Cape Unit 4B, Cecil Road 97 Durham Street Salt River, Cape Town, (21) Free State Suite 2, Business Suites Preller Square Shopping Centre C/O Louw Wepener & Graaff Reinet Streets, Dan Pienaar Bloemfontein, (51) TUHF Limited, TUHF Bridge (Pty) Ltd and Intuthuko Equity Fund (Pty) Ltd are registered credit providers. info@tuhf.co.za TUHF (8843)