Access to Information

Net1 Applied Technologies South Africa (Pty) Ltd

And all of its direct and indirect subsidiaries, namely:

Cash Paymaster Services (Pty) Ltd;
Net1 FIHRST Holdings (Pty) Ltd;
Net1 Finance Holdings (Pty) Ltd;
The Smart Life Insurance Company Limited;
Prism Holdings (Pty) Ltd;
Net1 Universal Electronic Technological Solutions (Pty) Ltd;
Net1 Mobile Solutions (Pty) Ltd;
Moneyline Financial Services (Pty) Ltd;
Manje Mobile Electronic Services (Pty) Ltd;
Prism Payment Technologies (Pty) Ltd;
RMT Systems (Pty) Ltd; and
EasyPay (Pty) Ltd;

(individually referred to herein as the "Company")

Manual in terms of Section 51 of the Access to Information Act

1. Particulars And Contacts (for Head Of The Company)

1.1 Postal Address (Registered): PO Box 2424, Parklands 2121
1.2 Street Address (Registered): 3rd Floor, President Place, cnr Jan Smuts Ave & Bolton Rd, Rosebank, JHB, RSA.
1.3 Telephone Number : (011) 343 2000
1.4 Facsimile Number : (011) 343 2057
1.5 Email : warrens@net1.com
1.6 Web address : www.net1.com

2. Guide

2.1 Section 10 of the Access to Information Act (the "Act") contains information as to how a person may exercise their rights which are conferred in terms of the Act, to access information.
2.2 The guide is available for inspection at the offices of the Human Rights Commission at SAHRC PAIA unit, 2nd Floor, Braampark Office Park, Forum 3, 33 Hoofd Street, Braamfontein, and on its web site www.sahrc.org.za. Please direct any queries to:

The South African Human Rights Commission: PAIA Unit
The Research and Documentation Department
Postal address: Private Bag 2700, Houghton, 2041
Telephone: +27 11 877 3600
Website: www.sahrc.org.za
E-mail: PAIA@sahrc.org.za

3. Records Which Are Available In Terms Of Other Legislation

1. Income Tax Act 58 of 1962
2. Tax Administration Act No.28 of 2001
3. Promotion of Equality and Prevention of Unfair Discrimination Act 4 of 2000
4. National Credit Act 34 of 2005 and Regulations
5. National Credit Amendment Act 2014 (Act 19 of 2014)
6. National Credit Regulations including Affordability Assessment Regulations
7. South African Social Security Agency Act, 2004
8. National Payment System Act 78 OF 1998, including Directive No. 1 of 2007
9. Broad Based Black Economic Empowerment Act 53 of 2003 & BEE Codes of Good Practice.
10. Broad-Based Black Economic Empowerment Act (46/2013): Amendment Codes of Good Practice
11. Financial Intelligence Centre Act 38 of 2001, Amended. 12. Section 28 of the FIC Act (Guidance Note 05)
13. Committee of Sponsoring Organizations of the Treadway Commission (COSO) Framework
14. Prevention and Combating of Corrupt Activities Act 12 of 2004
15. Protection of Constitutional Democracy Against Terrorist and Related Activities Act 33 of 2004
16. Prevention of Organised Crime Act 121 of 1998
17. Protection of Personal Information Act No. 4 of 2013
18. Financial Advisory and Intermediary Services Act, 37 of 2002
19. Section 13 (1)(c) of the FAIS Act
20. Electronic Communications Act 36 of 2005
21. Financial Action Task Force Guidance on Politically Exposed Persons (recommendations 12 and 22)
22. Visa and MasterCard Rules & EMV (Euro pay, MasterCard and Visa) Standards
23. Companies Act 71 of 2008
24. Exchange Control Regulations 1961
25. IFRS Framework
26. Value Added Tax Act 89 of 1991
27. Consumer Protection Act 68 of 2008
28. JSE Listing Requirements
29. Payment Card Industry Standards
30. Constitution of RSA, 1996
31. Electronic Communications and Transactions Act 25 of 2002
32. Regulation of Interception of Communications and Provision of Communication-related Information Act 70 of 2002 ("RICA")
33. Magistrates' Courts Act 1944 (Act 32 of 1944), and Rules
34. Employment Equity Act 55 of 1998
35. National Road Traffic Act 93 of 1996
36. King Code of Governance Principles for South Africa 2009 (King III)
37. Protected Disclosures Act 26 of 2000
38. Labour Relations Act 66 of 1995 (incorporated whistle blowing)
39. Skills Development Act 97 of 1998
40. Compensation for Occupational Injuries and Diseases Act 130 of 1993
41. Promotion of Access to Information Act 2 of 2000
42. Tobacco Products Control Act 83 of 1993
43. Competition Act 89 of 1998
44. Basic Conditions of Employment Act 75 of 1997
45. Skills Development Levies Act 9 of 1999
46. Unemployment Insurance Act 63 of 2001
47. Unemployment Insurance Contributions Act 4 of 2002
48. Occupational Health and Safety Act 85 of 1993
49. Copyright Act 98 of 1978
50. Prescription Act 68 of 1969
51. Trade Marks Act 194 of 1993
52. International Code of Practice for Information Security Management (ISO 27002)
53. Patents Act 57 of 1978
54. Trust Properties Controls Act
55. Broadcasting Act 4 of 1999
56. Financial Services Laws General Amendment Act (Act 45 of 2013)
57. Employment Tax Incentive Act
58. Employment Services Act No. 4 of 2014
59. Disaster Management Amendment Bill of 2015

4. Access To Records Currently Available

4.1 The following information pertaining to the Company is available on its website:
4.1.1 Corporate profile.
4.1.2 Product and services information.
4.1.3 Events Calendar
4.1.4 Analyst Coverage
4.1.5 Information Request
4.1.6 In relation to the US Nasdaq listed holding company , the following information is available on the website and SENS:

(i) Annual and Quarterly Reports;
(ii) Details of all corporate actions;
(iii) Proxy Information;
(iv) Downloads of the following information:
- Various governance related issues;
- Press releases;
- SEC filings;
- Share price details;
- Earnings estimates
- Institutional ownership; and
- Investor relations contact details.
- Presentations
- Fundamentals

5. Latest Notice In Terms Of Section 52(2)

Currently no notice has been published on categories of records which are required to be made available without request and as such, you are referred to the information detailed in clause 4 above, which is available without request from the Company.

6. Records That Are Held By The Company

Category	Records
Administration	Software and Hardware operating licenses; Minutes of Directors meetings; Minutes of Management meetings; Minutes of Employment Equity Meetings; Minutes of Sub-Committee Meetings (Risk, Audit, Remuneration, etc.); Correspondence; and Formal meetings with major customers , suppliers etc.
Human Resources	Staff recruitment policies; Employment contracts; Remuneration records and policies;and Provident fund rules and Minutes of meetings of Trustees
Operations	Sales records; Production records; Legal agreements and commercial contracts
Finance	Financial statements; Management Accounts; Annual financial statements; Invoices; Delivery notes; and Stock records Bank Statements Statutory Records

The above-mentioned records are of a confidential nature and only accessible to authorized people.

7. Request Procedures

7.1 Form of Request:

7.1.1 The requester must use the prescribed form to make the request for access to a record. This must be made to the head of the Company. This request must be made to the address, fax number or electronic mail address listed above.
7.1.2 The requester must provide sufficient detail on the request form to enable the head of the Company body to identify the record and the requester. The requester should also indicate which form of access is required. The requester should also indicate if any other manner is to be used to inform the requester and state the necessary particulars to be so informed.
7.1.3 The requester must identify the right that is sought to be exercised or to be protected and provide an explanation of why the requested record is required for the exercise or protection of that right.
7.1.4 If a request is made on behalf of another person, the requester must then submit proof of the capacity in which the requester is making the request to the satisfaction of the head of the Company.

7.2 Fees

7.2.1 A requester who seeks access to a record containing personal information about that requester is not required to pay the request fee. Every other requester, who is not a personal requester, must pay the required request fee.
7.2.2 The head of the Company shall notify the requester (other than a personal requester) by notice, requiring the requester to pay the prescribed fee (if any) before further processing the request.
7.2.3 The fee that the requester must pay to a private body is R50. The requester may lodge an application to a competent court against the tender or payment of the request fee.
7.2.4 After the head of the Company has made a decision on the request, the requester must be notified in the required form.
7.2.5 If the request is granted then a further access fee must be paid for the search, reproduction, preparation and for any time that has exceeded the prescribed hours to search and prepare the record for disclosure.

8. Other Prescribed Information

The Regulations relating to the Promotion of Access to Information (the Regulations) also come into operation on 15 February 2002. The Regulations were published in the Gazette (No. 23119) of 15 February 2002 (Government Notice No. R.187)

9. Availability

This manual is available for inspection at the Company's registered office referred to above, on its website referred to above and at the Human Right Commission, the address whereof appears above.

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