Spring Loans Language Policy

In accordance with Section 63 of the National Credit Act, 34 of 2005

1. Consumer Language Rights

In line with Section 63 of the National Credit Act (NCA), every consumerhas the right to request and receive any legally required document related to acredit agreement in one of South Africa’s official languages.

Spring Loans (Pty) Ltd (Spring Loans) fully supports this right and iscommitted to ensuring that all clients understand the information provided tothem clearly, accurately, and in a language they are comfortable with.

2. Languages Available

Spring Loans currently provides key documentation and communication inthe following official languages:

• English (default); and
• Zulu.

Additional languages may be supported upon request, where reasonablypracticable.

3. Documents Covered by this Policy

Upon request, the following documents may be made available in Zulu(in addition to English):

• Loan quotations and pre-agreement     statements;
• Credit agreements and related     disclosures;
• Section 129 debt enforcement     notices;
• System-generated communications     (such as emails, statements and SMS notifications); and
• Other written correspondence or     contractual notices relevant to your loan.

4. Customer Support in MultipleLanguages

Spring Loans partners with trained customer service representativescapable of communicating in several of South Africa’s official languages,including Zulu, Xhosa, and Afrikaans.

Customers may request verbal explanations of loan documents, repaymentterms, or other policy details in their preferred language via our supportchannels, where available.

5. How to Request Documents in AnotherLanguage

Consumers who wish to receive documents in Zulu or another officiallanguage may contact Spring Loans via:

• Email: support@springloans.co.za
• Telephone: +27100850420
• Live Chat: available on https://springloans.co.za

Please note that while Spring Loans strives to accommodate all languagepreferences, the availability of translated materials depends on legal accuracyand operational feasibility.

6. Policy Review and Approval

This Language Policy is reviewed annually by Spring Loans’ InformationOfficer and approved by the Director of Spring Loans to ensure compliance withthe National Credit Act (NCA), the National Credit Regulations, and any relatedconsumer protection laws.

Updates or amendments, where necessary, are published on the company’swebsite and made available upon request.