Precedent 22 Not negotiable crossing Not negotiable Precedent 23 Notice of dishonour to drawer of a bill (Address of person giving notice) (Date) I hereby give you notice that a bill of exchange No (state) dated (state) drawn by you on (name of drawee) of (address) for (state amount) payable to (name of payee) or order (state) months after date has been dishonoured by nonacceptance (or by nonpayment). You are accordingly required to make provision for payment thereof immediately, together with interest and costs. (Signature) To: (Name of drawer) (Address) Precedent 24 Notice of dishonour to endorser of a bill (Address of person giving notice) (Date) I hereby give you notice that a bill of exchange No (state) dated (state) drawn by (name of drawer) of (address) on (name of drawee) of (address) for (state amount) payable to (name of payee) or order (state) months after date and which bears your endorsement has been dishonoured by nonpayment. You are accordingly required to make provision for payment thereof immediately together with interest and costs. (Signature) To: (Name of endorser) (Address) Precedent 25 Notice of dishonour to endorser of a promissory note (Address of person giving notice) (Date) I hereby give you notice that a promissory note dated (state) whereby (name of maker) of (address) promised on demand (or (state) months after date) to pay to (name of payee) o r o r d e r t h e s u m o f (state amount) a n d w h i c h b e a r s y o u r endorsement has been dishonoured by nonpayment. You are accordingly required to make provision for payment thereof immediately together with interest and costs. (Signature)
To: (Name of endorser) (Address) Precedent 26 Notice of dishonour to drawer of a cheque (Address of person giving notice) (Date) I hereby give you notice that a cheque No (state) dated (state) drawn by you on (name of bank) for (state amount) payable to (name of payee) or order (or bearer) has been dishonoured by nonpayment. You are accordingly required to make provision for payment thereof immediately, together with interest and costs. (Signature of holder) To: (Name of drawer) (Address) Precedent 27 Protest by a notary of a bill of exchange (Date) O n (date) a t t h e r e q u e s t o f (name of holder) , t h e h o l d e r o f t h e o r i g i n a l b i l l o f exchange of which a true copy is written below,1 I (name of notary) of (address), notary by lawful authority and sworn, did exhibit the said original bill of exchange to (name of drawee) (or to a clerk in the office of drawee) the person on whom the same is drawn (if for nonpayment, add: and by whom the same was accepted) at (place where presentation was made) (or, if drawn or accepted at a particular place, to a c l e r k a t t h e (name of bank and branch) (o r a s t h e c a s e m a y b e) t h e p l a c e o f payment specified in the said bill of exchange) and demanded acceptance (or payment) thereof to which he made answer that he would not accept (or pay) the same for (or state the answer given). Wherefore I, the said notary, at the request aforesaid did and do by these presents protest against the drawer of the said bill and all other parties thereto and all others concerned for all costs of exchange, re exchange and all costs, damages and interest present and to come for want of acceptance (or payment) of the said bill. Thus protested in the presence of (names of witnesses) Which I attest (Signature of notary) Notary 1 Here set out an exact copy of the bill with all endorsements. Precedent 28 Protest by a householder when services of a notary cannot be obtained (Date) Know all men that I (name of landowner), landowner or householder of (state) in the district of (state) at the request of (name), there being no notary available, did on the (date) at (place) demand payment or acceptance from (name) of the bill of exchange which (o r a copy of which) is hereto annexed, to which demand he answered (state answer, if any) wherefore I now in the presence of (names of witnesses) do protest the said bill of exchange.1 Witnesses: 1
2 (Signatures of witnesses) 1 The bill itself or a copy of the bill and everything appearing therein should be annexed. Precedent 29 Notarial act of honour required on payment for honour supra protest (Date) I (name of notary) o f (address), a notary by lawful authority and sworn and admitted, residing and practising at (place) in the Province of (specify), certify that on (date) at (place) the original bill of exchange for (state amount) of which a true copy is contained in the protest to which this act is appended (or is abovewritten o r is written on the back hereof) (and protests for nonpayment) was by me exhibited to (name of payer for honour) of (place) who then and there declared that h e i n t e n d e d t o p a y a n d d i d p a y t h e s a m e f o r t h e h o n o u r o f (name) t h e acceptor/drawer/endorser of the said bill holding the said acceptor/drawer/endorser and all other proper persons responsible to him the aforesaid (name of payer for honour) for the aforesaid sum and for all interest and costs. (Signature) Notary Precedent 30 Share warrant Number of shares (state) Warrant No (state) (Name of company) (Address of company) Share warrant to bearer for (number of shares) shares of (rand value of shares) each No (state) This is to certify that the bearer of this warrant is the owner of (number of shares) fully paidup shares numbered as above in the capital of the (name of company) subject to the Articles of Association and other regulations of the company for the time being. Given on behalf of the company at (place) on this (date) (Signature of authorised representative of the company) C Securities for advances Precedent 1 Cession of insurance policy Revenue stamp CESSION OF INSURANCE POLICY I/We, the undersigned,
Identity/Registration no(s) Of (physical address) cede to ABC Bank (\"the Bank\") all my/our right in and to Policy of Insurance no (\"the Policy\") in respect of (Description of insured property/life etc) issued by (Name of assurance/insurance company) *as well as the Sasria cover linked to the Policy. *as well as Sasria Coupon Policy no (which has to be reissued at the end of the period of insurance) or any other Sasria policy or policies issued in substitution or renewal of the Sasria policy, together with any further rights which may arise from any resulting increase in the amount of insurance, as continuing covering security for all amounts which I/we * and/or (\"the Debtor\") owe the Bank at the time when this cession is signed or which may become owing by me/us/the Debtor to the Bank after signature. I/We guarantee that I/We have not ceded my/our right in any claim ceded to the Bank in terms of this cession to any other person. (Alternatively: I/we have previously ceded the right, title and interIe/swte t oc etdhee tpoo tlihcey Btoank al my/our right, title and interest in the previously ceded right and/or reversionary right, including the right to claim payment from the first cessionary of any balance of the proceeds of any claim realised by the first cessionary; to demand the recession of the rights ceded to the first cessionary; to demand from the first cessionary the return of any document(s) embodying the rights cede to him; to obtain the right in and to the claims when or after the claims have been receded to me/us or otherwise revert to me/us when cession to the first cessionary is cancelled. This cession is given in addition to and does not take place of any other security which the Bank holds or which the Bank may hold in the future. I/We appoint the Bank irrevocably as my/our agent, with the right to appoint any other person to act in the Bank's place as my/our agent, to exercise and realise all rights in and to the policy in any way the Bank may deem necessary. This authority includes, but is not limited to, the right to claim and receive any amount due in terms of the Policy and to pay such amount towards any debt owing by me/us or the Debtor to the Bank, whether due or not, to sign any legal documents or acquittances on my/our behalf or to conclude or compromise in respect of the Policy as effectively and completely as I/we could do myself/ourselves. I/we agree that a certificate issued by the Bank and certified by any of the Bank's managers showing the amount owed by me/us/the Debtor to the Bank from time to time or at any time shall be accepted as proof of such amounts unless I/we am/are able to prove that the certificate is incorrect. SIGNED at (place) on this (day, month, year) in the presence of the undersigned witnesses Witnesses: 1 (Signature of cedent) or on 2 (Signatures of witnesses) I/we confirm that this cession was completed in full before signing. Notification in terms of
1 Section 43(1) of the Shortterm Insurance Act 53 of 1998; and/or 2 Section 44(1) of the Longterm Insurance Act 52 of 1998 Whereas ABC Bank (The \"Creditor\") has agreed to grant a money loan/lease goods/grant credit to: (The \"Debtor\") Subject to (a) short term/or long term policy(ies) being made available and used for the purpose of protecting the interests of the Creditor, the Debtor is hereby notified of a free choice: (a) as to whether to enter into a new policy and make available an existing policy of the appropriate value or to utilise a combination of such options; and (b) if a new policy is to be entered into and/or an existing policy is made available: (c) to appoint the insurer and the intermediary (if any) who is to render services in connection with the transaction; (i) to decide whether or not the value of the policy benefits together with the value of policy benefits provided under any other policy which is also made available , shall exceed the value of the debtor or the interest of the Creditor; and in the case of a long term policy(ies): (ii) to decide whether or not the policy benefits are to be provided in an event other than the death or disability of the life insured. (or, if applicable) Confirmation in terms of 1 Section 43(1) of the Shortterm Insurance Act 53 of 1998; and/or 2 Section 44(2) of the Longterm Insurance Act 52 of 1998 and/or I/we, (\"the Policy holder\") Hereby confirms that the policy(ies) as listed below may be made available to the Creditor for the purposes of securing the debt concerned and confirm that: (a) he mentioned freedom of choice; (b) the Policyholder exercised that freedom of choice; (c) the policyholder was not subject to any coercion or inducement as to the manner in which that freedom of choice was exercised. Policy (ies) SIGNED at (place) on this (day, month, year) (Signature of policyholder) Precedent 2 Cession of claims Revenue stamp CESSION OF CLAIMS 1 Cession I/We, the undersigned, .................... Identity/Registration no(s) ............. of (physical address) cede to ABC Bank (\"the Bank\") all my/our right in and to any claims evidenced by any document(s) listed in the attached schedule
(\"the schedule\") and delivered to the Bank by me/us, together with all dividends, interest, rentals and other monies now or hereafter to become owing in respect thereof. I/we also cede to the Bank all my/our right in and to any claims listed in the schedule whether evidenced in a document or not. The terms and conditions of this cession shall also apply to any claims evidenced by any document which I/we may deliver to the Bank from time to time in the future. 2 Application This cession is given as continuing covering security and shall be security for all my/our debts or the debts of .................... (\"the debtor\") to the Bank or any other person to whom the Bank cedes its rights, notwithstanding any temporary extinction of any such indebtedness. The debts for which this cession is given include: 2.1 all amounts owing by me/us or the debtor to the Bank at the time when this cession is signed as well as all amounts which may become owing by me/us or the debtor to the Bank after the signature hereof; 2.2 all amounts owing by me/us or the debtor to the Bank arising from any cause whatsoever; 2.3 all debts incurred in my/our or the debtor's own name or in the name(s) of any business(es) in which I/we or the debtor trade, either alone or in partnership or on any other basis; 2 . 4 a l l a m o u n t s o w i n g b y a n y o t h e r p e r s o n w h o s e d e b t s I / w e o r t h e d e b t o r h a v e a g r e e d t o p a y t o t h e B a n k , either as surety or on any other basis. 3 Reversionary cession I/we guarantee that I/we have not ceded my/our right in any claim ceded to the Bank in terms of this cession to any other person. (Alternatively: I/we have previously ceded any such right, title and interest to ........ (\"the first cessionary\") as security, I/we cede to the Bank al my/our right, title and interest in the previously ceded right and/or reversionary right, including the right: . to claim payment from the first cessionary of any balance of the proceeds of any claim realised by the first cessionary; . to demand the recession of the rights ceded to the first cessionary; . to demand from the first cessionary the return of any document(s) embodying the rights cede to him; . to obtain the right in and to the claims when or after the claims have been receded to me/us or otherwise revert to me/us when cession to the first cessionary is cancelled. 4 Appointment as agent 4 . 1 I / w e a p p o i n t t h e B a n k i r r e v o c a b l y a n d i n r e m s u a m a s m y / o u r a g e n t , w i t h t h e r i g h t t o a p p o i n t a n y o t h e r person to act in the Bank's place as my/our agent, and with full and unlimited power to realise the rights ceded in terms of this cession in any way the Bank may deem necessary. 4.2 The Bank may pay the proceeds of such realisation towards any amount owing by me/us or the debtor to the Bank. I/we understand that any balance of the money realised by the Bank, after payment of all costs and expenses incurred in connection with such realisation, any legal costs and all debts secured by this cession, shall be paid to me/us. 5 Renunciation I/we hereby expressly renounce the benefits of excussion; and of division and of no value received. 6 Termination I/we understand that I/we may terminate this cession at any time on written notice to the Bank. This cession shall, notwithstanding the written notice, continue as security for all amounts owing by me/us/the debtor at date of receipt of such notice by the Bank until such amounts, together with interest and costs until date of payment, have been paid. 7 Certificate I/we agree that a certificate issued by the Bank and certified by any of the Bank's managers showing: 7.1 the amount owed by me/us or the debtor to the Bank from time to time or at any time; 7.2 the amount of interest payable and accrued and of dividends, rentals or other assets received; or
7.3 the amount of the proceeds of the sale, disposal or realisation of any securities, shall be accepted as proof of such amounts unless I/we am/are able to prove that the certificate is incorrect. 8 Limitation The amount for which this cession may be used as security is limited to R..................... (.................... RAND) plus any costs incurred in enforcing the Bank's rights in terms of this cession and interest until the amount due to the Bank in terms of this cession is received by the Bank. *Delete if the cession is intended for an unlimited amount. SIGNED at (place) on this (day, month, year) in the presence of the undersigned witnesses I/we confirm that this cession was completed in full before signing. (Cedent) 1 Name and residential address of witness in block letters 2 Name and residential address of witness in block letters SCHEDULE TO CESSION Precedent 3 Cession1 of claim to inheritance2 1 No stamp duty is payable. 2 Distinguish between the case where the testator is still alive and the case where he/she has already died. In principle there is nothing wrong with the cession in the latter case, however, in some older cases this type of cession was regarded as contra bonos mores, see Wessels The Law of Contract 2 ed vol I pars 403405. Wessels suggests that such a cession should not be regarded as contra bonos mores. This is a cession of a future right; see Scott The Law of Cession 2 ed Juta Cape Town 1990 170 par 10.2.2.3. MEMORANDUM OF AGREEMENT entered into between: (name of cedent) (hereinafter called \"the cedent\") and (name of bank) (hereinafter called \"the cessionary\") WHEREAS the cedent is entitled under and by virtue of the will of the late3 (name of testator) dated (date) to the residue (or t o identify the nature of the inheritance whatever it may be) o f t h e e s t a t e o f t h e l a t e (name of testator) which is in the course of being administered (subject to a life usufruct in favour of (name of usufructuary) o r to (identify nature of the burden whatever it may be)); AND WHEREAS the cedent is indebted to (insert name of bank) (\"the cessionary\")4 as a result of certain advances already afforded and to be afforded to the cedent in future; 3 Omit \"late\" if testator is still alive. 4 This is an example of the cession only and not of the preceding obligationary agreement (causa), see Preliminary Note
par 2.2. NOW THEREFORE IT IS AGREED AS FOLLOWS: 1 Cession In execution of the abovementioned indebtedness the cedent hereby cedes, transfers and makes over to the c e s s i o n a r y t h e c e d e n t ' s r i g h t , t i t l e a n d i n t e r e s t i n a n d t o t h e s a i d r e s i d u e (or i n a n d t o identify the nature of the inheritance whatever the case may be) in the estate of the late (name of testator), and to all assets, movable or immovable, corporeal or incorporeal which may come or be due to, or be claimable by, or may devolve upon, the cedent in any manner whatsoever out of or from the said estate. 2 Authority5 The cedent hereby authorises the cessionary to notify the executor (or administrator) (name and address of executor (or administrator)) and the master of this cession. 5 Inclusion of an authorisation (power of attorney) will render this instrument liable to stamp duty in terms of s 6(2) of the Stamp Duties Act 77 of 1968. The stamp duty is R1, see item 19 of the First Schedule. 3 Acceptance The cessionary hereby accepts the said cession.6 6 It will be necessary for the cessionary to give notice of the cession to the executor or administrator and to the master, all of whom will require to see the original deed of cession and be furnished with a copy thereof. SIGNED at (place) on this (day, month, year) Witnesses: 1 (Signature of cedent) 2 (Signatures of witnesses) SIGNED at (place) on this (day, month, year) Witnesses: 1 2 (Signatures of witnesses) (Signature on behalf of cessionary) Precedent 4 Cession of book debts as security MEMORANDUM OF AGREEMENT entered into between: (name of cedent) (hereinafter called \"the cedent\") and (name of bank) (hereinafter called \"the cessionary\") WHEREAS the cedent has agreed to grant security for the indebtedness of the cedent to the cessionary arising out of a contract of loan (or acknowledgment of debt, or an undertaking to guarantee overdraft facilities to the bank or any payment or liability incurred thereunder); AND WHEREAS the cedent has agreed to cede as security to the cessionary all his/her book debts, both present and future; NOW THEREFORE IT IS AGREED AS FOLLOWS: 1 Cession In execution of the abovementioned agreement to grant security, the cedent hereby cedes, transfers and makes
over to the cessionary his/her right, title and interest in and to all the book debts of the cedent, both future and present of whatsoever nature and from whatsoever cause arising, as security for the abovementioned indebtedness of the cedent to the cessionary arising out of the obligation referred to in the recitals hereto or any payment made or liability incurred thereunder.1 1 A s t o t h e e f f e c t o f a c e s s i o n o f b o o k d e b t s s e e Goode, Durrant and Murray (Pty) Ltd v Glen and Wright NNO 1961 4 SA 617 (C) 621622. 2 Duration The cession which is the subject matter of this agreement shall endure and be of force and effect until the undertaking referred to in the recitals hereto has been cancelled and all liability of the cedent to the cessionary has been paid by the cedent to the cessionary or otherwise discharged.2 2 For the limited scope of such a term, see the remarks in Sasfin (Pty) Ltd v Beukes 1989 1 SA 1 (A) 10D et seq. 3 Undertakings by cedent 3.1 The cedent hereby undertakes and warrants3 that he/she: (a) has not entered into any agreement restricting or excluding the transferability of the claims that form the object of this cession; (b) has no knowledge of any counterclaims that may extinguish the claims that form the object of this cession; (c) has not, prior to this cession, ceded the claims that form the object of this cession to any other person or concern; (d) but if it should so happen that the cedent is in breach of this, then this cession shall operate as a cession of the cedent's reversionary rights, including all rights of action against the prior cessionary. 3.2 During such time as the cession which is the subject matter of this agreement remains of force and effect, the cedent agrees that he/she will: (a) deliver to the cessionary at intervals of not less than one month (or other suitable period) a list reflecting all debtors of the cedent, with their names and addresses, the nature and amount of the indebtedness of each of them, particulars of any bills of exchange, promissory notes, cheques, agreements, documents of title or other securities of whatsoever nature held in respect thereof, a statement showing whether the indebtedness is on open account or on credit, and in the latter event the terms of such credit; (b) upon demand deliver, cede, transfer or negotiate to the cessionary all or such of the bills of exchange, promissory notes, cheques, documents of title or other securities referred to in subparagraph (a) hereof as may be demanded, duly endorsed, ceded, transferred or negotiated in such form as shall render the cessionary the absolute owner thereof entitled in his/her own name to enforce payment thereof; (c) make available for inspection by the cessionary or his/her authorised agent at any time during normal business hours at the cedent's place of business all books of account, receipt and other books, papers and correspondence relating to the said book debts and the cedent's dealings with the debtors in respect of the indebtedness of each of them to him/her in his/her said business; (d) give the cessionary all such information concerning the said debtors as may be reasonably required by the cessionary to enable him/her to recover the amount owing by each of them. 3 The parties may, of course, come to a contrary agreement, ie that the cedent warrants the existence and validity of the claim. Inclusion of such a warranty will render this instrument liable to stamp duty in terms of s 6(2) of the Stamp Duties Act 77 of 1968: for the rate payable see item 20 of the First Schedule. 4 Undertakings by cessionary The cessionary agrees that he/she will during such time as the cession which is the subject matter of this agreement remains of force and effect: (a) not cede the rights ceded to him/her further;4 (b) not claim from or enter into negotiations with the debtor; (c) not notify the debtors of the cession until the cedent's debt falls due and he/she is unable to pay (or a fixed date or as the case may be); (d) pay the surplus of the proceeds of the claim to the cedent after he/she has satisfied his/her claim against the cedent; (e) recede to the cedent all the remaining rights after the cessionary's claim 4 This is a protection measure for the cedent and amounts to a pactum de non cedendo (an agreement prohibiting or restricting cession). 5 Authority5 5.1 The cessionary authorises the cedent to collect the said claims in his/her own name and keep the proceeds
until such time as the cessionary may determine.6 5.2 The cedent authorises the cessionary during the currency of this agreement from time to time (or under certain circumstances or in the absolute discretion of the cessionary) to give notice to all or any of the debtors of the cedent both present and future of the said cession. 5 Inclusion of an authorisation (power of attorney) will render this instrument liable to stamp duty in terms of s 6(2) of the Stamp Duties Act 77 of 1968. The stamp duty is R1, see item 19 of the First Schedule. 6 This procedure will be followed where the parties have decided on a confidential revolving security cession. The cedent can collect payment in this way but does not have locus standi to institute action in his own name on behalf of an undisclosed principal, see Sentrakoop Handelaars Bpk v Lourens 1991 3 SA 540 (W); Standard General Insurance Co Ltd v Eli Lilly (SA) (Pty) Ltd 1996 1 SA 382 (W); Gravett NO v Van der Merwe 1996 1 SA 531 (D) 537G. 6 Acceptance The cessionary hereby accepts the said cession upon and subject to the terms and conditions of this agreement. SIGNED at (place) on this (day, month, year) Witnesses: 1 (Signature of cedent) 2 (Signatures of witnesses) Precedent 5 Pledge Revenue stamp PLEDGE 1 Pledge I/We, the undersigned, Identity/Registration no(s) ..................... of (physical address) pledge to ABC Bank (\"the Bank\") the goods listed in the attached schedule (\"the schedule\") and delivered to the Bank by me/us, together with all dividends, interest, rentals and other monies now or hereafter to become owing in respect thereof. The terms and conditions of this pledge shall also apply to any other goods which I/We may deliver to the bank form time to time. The Bank shall be entitled to include such goods in the schedule but, where the goods are handed by me/us to the Bank, it shall not necessary to include such goods in the schedule on order to validly pledge them to the Bank. 2 Application I/We am/are the owner(s) of goods and they are pledged to the Bank as continuing cover security and shall be security for all my/our debt to the Bank or any other person to whom the Bank pledges its rights, notwithstanding any temporary extinction of indebtedness. The debts for which this pledge given include: 2.1 all amounts owing by me/us or the debtor to the Bank at the time when this cession is signed as well as all amounts which may become owing by me/us or the debtor to the Bank after the signature hereof; 2.2 all amounts owing by me/us or the debtor to the Bank arising from any cause whatsoever; 2.3 all debts incurred in my/our or the debtor's own name or in the name(s) of any business(es) in which I/we or the debtor trade, either alone or in partnership or on any other basis; 2.4 all amounts owing by any other person whose debts I/we or the debtor have agreed to pay to the Bank, either as surety or on any other basis. 3 Appointment as agent 3 . 1 I / W e a p p o i n t t h e B a n k i r r e v o c a b l y a n d i n r e m s u a m a s m y / o u r a g e n t , w i t h t h e r i g h t t o a p p o i n t a n y o t h e r person to act in the Bank's place as my/our agent, and with full power to realise the rights ceded in terms of this cession in any way the Bank may deem necessary. 3.2 The Bank may pay the proceeds of such realisation towards any amount owing by me/us or the debtor to the Bank. I/we understand that any balance of the money realised by the Bank, after payment of all costs and expenses incurred in connection with such realisation, any legal costs and all debts secured by this cession, shall be
paid to me/us. 4 Termination I/we understand that I/we may terminate this cession at any time on written notice to the Bank. This cession shall, notwithstanding the written notice, continue as security for all amounts owing by me/us/the debtor at date of receipt of such notice by the Bank until such amounts, together with interest and costs until date of payment, have been paid. 5 Certificate I/we agree that a certificate issued by the Bank and certified by any of the Bank's managers showing: 5.1 the amount owed by me/us or the debtor to the Bank from time to time or at any time; 5.2 the amount of interest payable and accrued and of dividends, rentals or other assets received; or 5.3 the amount of the proceeds of the sale, disposal or realisation of any securities, shall be accepted as proof of such amounts unless I/we am/are able to prove the contrary. 6 Waiver I/We waive any right which I/we may have to presentment, notice of dishonour and protest of any promissory notes, bills of exchange or other negotiable instruments which have been pledged to the Bank or which may be pledged to the Bank in future. SCHEDULE OF ITEMS PLEDGED I confirm that this pledge was completed in full before the signing thereof. SIGNED at (place) on this (day, month, year) I/we confirm that this cession was completed in full before signing. (Pledger) 1 Name and residential address of witness in block letters 2 Name and residential address of witness in block letters Precedent 6 Pledge1 of claim 1 The pledge of a claim is effected by means of a cession of the capacity to realise the claim together with notice of the cession to the debtor as a means of fulfilling the principle of publicity. entered into between: MEMORANDUM OF AGREEMENT (name of pledgor) (hereinafter called \"the pledgor\")
and (name of bank) (hereinafter called \"the pledgee\") WHEREAS the pledgor has agreed to grant security for his/her indebtedness to the pledgee arising out of a contract of loan (or acknowledgment of debt, or the granting of overdraft facilities by the bank or any payment or liability incurred thereunderto or as the case may be); AND WHEREAS the pledgor has agreed to pledge2 to the pledgee his/her claim of R.................... (.................... RAND) against (name of debtor) o f (address) a r i s i n g o u t o f m o n e y l e n t a n d a d v a n c e d (o r a s t h e c a s e m a y b e) (hereinafter referred to as \"the said claim\"); 2 The stamp duty payable on this document of pledge is determined by item 20 of the First Schedule of the Stamp Duties Act 77 of 1968. NOW THEREFORE IT IS AGREED AS FOLLOWS: 1 Constitution of pledge I n e x e c u t i o n o f t h e a b o v e m e n t i o n e d a g r e e m e n t t o g r a n t s e c u r i t y , t h e p l e d g o r h e r e b y p l e d g e s t h e s a i d c l a i m ( or book debts of the pledgor, both future and present of whatsoever nature and from whatsoever cause arising, or as the case may be) as security for payment of R.................... (.................... RAND) owing by me to him/her in terms of t h e a b o v e m e n t i o n e d i n d e b t e d n e s s a n d i n t e r e s t t h e r e o n a t t h e r a t e o f (specify) p e r c e n t p e r a n n u m (or R.................... (.................... RAND) per month). 2 Duration3 The cession which is the subject matter of this agreement shall endure and be of force and effect until the undertaking referred to in the recitals hereto has been cancelled and all liability of the cedent to the cessionary has been paid by the cedent to the cessionary or otherwise discharged.4 3 Because of the accessory nature of a pledge, the cession is only of force and effect as long as the indebtedness referred to (the principal debt) exists. The right of pledge lapses automatically on discharge of the principal debt, see Scott op cit 235 par 12.2.1. 4 For the limited scope of such a term, see the remarks in Sasfin (Pty) Ltd v Beukes 1989 1 SA 1 (A) 10D et seq. 3 Undertakings by pledgor (a) The pledgor undertakes to pay to the pledgee on (day, month, year) (o r by instalments of R.................... (.................... RAND) per month commencing on (day, month, year) and thereafter monthly until the whole principal debt and interest shall have been paid). (b) furnish to the pledgee within (state) days from the date hereof a full list of all debtors of his/her said business with their names, occupations and addresses, the nature and amount of the indebtedness of each of them and particulars of any bills of exchange, promissory notes, agreements, documents of title or other securities of whatsoever nature held in respect thereof, a statement showing whether the indebtedness is on open account or on credit, and in the latter event the terms of such credit; (c) upon demand deliver, cede, transfer or negotiate to the pledgee all or such of the bills of exchange, promissory notes, cheques, documents of title or other securities referred to in subparagraph (a) hereof as may be demanded, duly endorsed, ceded, transferred or negotiated in such form as shall render the pledgee the absolute owner thereof entitled in his/her own name to enforce payment thereof; (d) make available for inspection by the pledgee or his/her authorised agent at any time during normal business hours at the pledgor's place of business all books of account, receipt and other books, papers and correspondence relating to the said book debts and the pledgor's dealings with the debtors in respect of the indebtedness of each of them to him/her in his/her said business; (e) give the pledgee all such information concerning the said debtors as may be reasonably required by the pledgee to enable him/her to recover the amount owing by each of them. 4 Notice The pledgor undertakes to notify the debtor of the pledge. This notice will perfect the pledge. 5 Payment before maturity of pledge If the debtor of the pledgor indicates to the pledgor or pledgee that he/she wishes to pay his/her debt before the pledgor's principal debt to the pledgee falls due, the person so informed undertakes and warrants to notify the other. Payment should be received by the pledgor and pledgee jointly and invested until the pledgor's debt falls due. The pledgor is entitled to determine the type of investment and obliged to constitute a pledge in favour of the pledgee on the money so invested. 6 Authority5
6.1 The pledgor authorises the pledgee to notify the debtors of the pledge.6 6.2 The pledgor authorises the pledgee, after maturity of the pledge,7 to claim from all or any of the debtors the whole or any portion of the debt and to keep so much of the proceeds for him/herself as are needed to satisfy the principal debt.8 (Alternatively: The pledgor authorises the pledgee, after maturity of the pledge, to sell the claim to the highest bidder at an execution sale and to keep so much of the proceeds for him/herself as are needed to satisfy the principal debt.9) 5 Inclusion of an authorisation (power of attorney) will render this instrument liable to stamp duty in terms of s 6(2) of the Stamp Duties Act 77 of 1968. The stamp duty is R1, see item 19 of the First Schedule. 6 Depending on the intention of the parties, this authorisation may be subject to a certain condition or time limit. For example in the case of a confidential pledge, the parties will have to determine the event upon which the pledgee would be entitled to notify the debtor of the pledge thereby constituting the pledge. 7 Maturity of the pledge is the moment when the principal debt falls due and the pledgor is unable to pay the debt. 8 Since the pledgee acquires only a limited real right to the claim, he is not entitled to claim from the debtor as creditor, unless he is authorised to do so. 9 This is a parate executie clause and it is valid in the case of pledge. 7 Acceptance The pledgee hereby accepts the said pledge upon and subject to the terms and conditions of this agreement.10 10 This is an acceptance of both the transfer agreement and the obligationary agreement, whenever obligationary clauses are included in the document like the one in clause 3. SIGNED at (place) on this (day, month, year) Witnesses: 1 (Signature of pledgor) 2 (Signatures of witnesses) SIGNED at (place) on this (day, month, year) Witnesses: 1 (Signature of pledgee) 2 (Signatures of witnesses) Precedent 7 Suretyship (incorporating cession of claims) I/we, the undersigned, Identification/registration number Physical address hereby bind myself/ourselves as surety and coprincipal debtor jointly and severally together with (\"the debtor\") in favour of ABC Bank for the repayment on demand of any sum of money which the debtor now owes or may hereafter owe to the Bank arising from whatever coarse and for the due fulfilment of all obligations of the debtor to the Bank of such indebtedness subject to the following conditions: 1 Joint and several liability All signatories to this document shall be liable to the bank jointly and severally as debtor surety or coprincipal debtor for the obligations of the debtor. 2 Cession of claims As security for fulfilment of the obligation set out above I/we cede to the Bank the claims set out in the schedule hereto. I/We guarantee that I/We have not ceded my/our right in any claim ceded to the Bank in terms of this cession to any other person.
(Alternatively: I/we have previously ceded any such right, title and interest to (\"the first cessionary\") as security, I/we cede to the Bank al my/our right, title and interest in the previously ceded right and/or reversionary right, including the right: . to claim payment from the first cessionary of any balance of the proceeds of any claim realised by the first cessionary; . to demand the recession of the rights ceded to the first cessionary; . to demand from the first cessionary the return of any document(s) embodying the rights cede to him; . to obtain the right in and to the claims when or after the claims have been receded to me/us or otherwise revert to me/us when cession to the first cessionary is cancelled. 3 Discretion of the Bank The Bank may in its discretion and without reference to me/us: 3.1 determine the extent, nature and duration of any facility granted to the debtor ; 3.2 arrange or compromise any debt due by the debtor due to the Bank or grant any extension requested by the debtor; 3.3 release in whole or in part any security which the Bank may hold; 3 . 4 c e d e i t s c l a i m o r a n y o t h e r r i g h t t h a t i t m a y h o l d a g a i n s t t h e d e b t o r w i t h o u t p r e j u d i c e t o i t s r i g h t s i n t e r m s hereof. 4 Allocation of cash deposits and payments The Bank shall be entitled to apply any payment received or recovered from the debtor or any surety of the debtor in such a manner it may deem fit. This discretion includes the right to hold the amount in a separate account (\"cash deposit account\") without any obligation to utilise such amount in discharge or part discharge of the debtors' obligation for as long as the Bank deems fit. 5 Insolvency, liquidation etc 5 . 1 I f t h e e s t a t e o f t h e d e b t o r o r a n y p e r s o n w h o b i n d s h i m s e l f a s s u r e t y h e r e u n d e r i s s e q u e s t r a t e d o r p l a c e d under judicial management, administration or curatorship: 5.1.1 The Bank may institute a claim against such estate without affecting or diminishing any claim remaining hereunder; 5.1.2 The bank shall be entitled to apply all proceeds or payments received from the affected estate in diminishing the amount owed without diminishing any liability existing hereunder; 5.1.3 Any liability existing hereunder shall not be affected by the existence of the possibility of a future dividend payable by the insolvent estate. 6 Renunciationof benefits I/We hereby renounce the following benefits and declare that I/we am/are acquainted with the meaning thereof: 6.1 Cession of actions 6.2 No cause of debt 7 Continuing security This suretyship shall be a continuing covering security notwithstanding any intermediate extinction or settlement of the amount owing until the Bank has received notice in writing from me/us or my/our executor , trustee or other legal representative terminating this suretyship. The suretyship shall nevertheless remain in existence until the amount owing plus all costs and interest which may have accrued is settled, provided that this notice shall have no force or effect unless it is accompanied by a similar notice addressed to the debtor. 8 Domicilium citandi et executandi I/we choose the address as supplied above as the address for the service of all notices, communication or legal processes arising from this document. This address shall only be changed after proper written notification to the Bank. 9 Jurisdiction
I/We agree to the jurisdiction of the magistrates' court which has jurisdiction over my/our person for any legal proceedings which may result herefrom or may relate thereto. 10 Certificate A certificate signed by any manager of the Bank shall be sufficient proof of the amount owing in terms hereof and the applicable rate of interest for purposes of judgement, including provisional judgement and summary judgement and to prove claims against insolvent and deceased estates. It shall not be necessary to prove in such a certificate the appointment or capacity of the person signing the certificate. 11 Legal costs I/we am/are liable for all costs which may be incurred in the enforcement of this suretyship including collection costs on the scale of attorney and client. 12 Limitation Notwithstanding anything to the contrary herein contained the amount that the bank shall be entitled to recover from me/us under this suretyship shall be: . All the liabilities that the debtor now owes or in future may owe to the bank; . Limited to a maximum of R ......... (........) together with such further amount in respect of interest and costs as already have accrued or which will accrue until date of payment of the above amount. 13 Confirmation I/We the undersigned confirm that this deed of suretyship: 13.1 had been properly completed at the time of the signing thereof; 13.2 in so far as no amount is specified in paragraph 12 above, it is for an unlimited amount; 13.3 is completed in all respects in accordance with the agreement with the Bank. SCHEDULE Signed at on (Debtor) 1 (Surety) Name and residential address of witness in block letters 2 Name and residential address of witness in block letters Precedent 8 Mortgage of a ship to secure a current account DEPARTMENT OF TRANSPORT, MARINE DIVISION Merchant Shipping Act, 1951 (Act No 57 of 1951) Horse Power
In a steam or Motor of Engines Tonnage Tonnage Ship, state how (state SHO, BHP, propelled or IHP, as the case Gross Net may be And as described in more detail in the tonnage certificate and the register. Whereas [here state by way of recital that there is an account current between the mortgagor (describe him and give his address) and the Mortgagee (describe him and give his address), and describe the nature of the transaction so as to show how the amount of principal and interest due at any given time is to be ascertained, and the manner and the time of payment.] Now ............, the undersigned ................ (name of Mortgagor) in consideration of the premise for myself/ourselves and my/our heirs and successors covenant with the said ................... (insert name or names of Mortgagee(s)) assigns, to pay to him or them the sums for the time being due on this security(ies), whether by way of principal or interest, at the times and manner aforesaid, and for the purpose of better securing to the said ............. (name of mortgagee(s)) the payment of such sums as last aforesaid, I/we do hereby mortgage to the said ................... name of mortgagee(s)) the above mentioned ship and its equipment, of which I/we am/are the owner(s). Lastly I/we for myself/ourselves and my/our heirs or successors, warrant to the said ................ (name of mortgagee(s)) and his/their assigns, and do hereby declare that I/we have power to mortgage in the manner aforesaid the above mentioned ship and its equipment, and that the ship and its equipment are free from encumbrances save as appears by the registry of the ship. In witness whereof I/we have hereto subscribed ........... (name/names) and affixed my/our seal this ........... (date). Executed by the abovenamed ............ in the presence of ............ (names and addresses and description of witnesses.) Precedent 9 Mortgage of an aircraft to secure capital sum and interest Convention on the International Recognition of Rights in Aircraft Act 59 of 1993 Deed of mortgage (to secure capital sum and interest) (regulation 2) Notes: (i) The original deed of mortgage, accompanied by two certified true copies thereof, must be submitted to the Commissioner for Civil Aviation, Private Bag X193, Pretoria, 0001. (ii) Where the required information cannot be furnished in the space provided, the information must be submitted as a separate memorandum and attached hereto. (iii) The deed of mortgage must be signed by: (a) the mortgagor, if a natural person; (b) the partner duly authorised to execute documents on its behalf, if the mortgagor is a partnership; or (c) The officer(s) duly authorised to execute documents on its behalf, if the mortgagor is a company, close corporation or organisation. (iv) *Please delete whichever is not applicable. 1 Particulars regarding the morgagor 1.1 Full name: 1.2 Identity number/Company or CC Registration Number: 1.3 Full business/residential address:
1.4 Postal address: 1.5 Telephone number: 1.6 Telefax number: 1.7 Legal status (natural person/close corporation/company/organisation/other specify): 1.8 Full particulars in respect of the individual/each director/shareholder/partner/ member/office bearer: Name Position Identity number Nationality Country of permanent residence 2 Particulars regarding the mortgagee 2.1 Full name: 2.2 Identity number/Company or CC Registration Number: 2.3 Full business/residential address: 2.4 Postal address: 2.5 Telephone number: 2.6 Telefax number: 2.7 Legal status (natural person/close corporation/company/organisation/other specify): 2.8 Full particulars in respect of the individual/each director/shareholder/partner /member/office bearer: Name Position Identity number Nationality Country of permanent residence 3 Particulars regarding the aircraft (s) of 3.1 Present nationality and registration mark the Aircraft: 3.2 South African registration letters, if registered: 3.3 Manufacturer of aircraft: 3.4 Manufacturer's type designation: 3.5 Aircraft serial number: 3.6 Particulars of amount of mortgaged shares in the aircraft, if any:
I/We (Name(s) of signatory (signatories)) In my/our capacity as (Position) Of (Name of mortgagor) Hereinafter referred to as the mortgagor, in consideration for (Amount) Hereinafter referred to as the capital sum, this day lent to me/us/the mortgagor by (Name of mortgagee) Hereinafter referred to as the mortgagee, do hereby for myself/ourselves/the mortgagor and my/our/his/her successors and assigns, contract with the mortgagee and his successors and assigns: (a) that I/we/the mortgagor or my/our/his/her successors and assigns will pay to the mortgagee or his/her successors and assigns, the capital sum together with interest thereon at the rate of .................. percent per annum on ..........; and (b) I f t h e c a p i t a l s u m i s n o t p a i d o n t h e s a i d d a t e . I / w e / t h e m o r t g a g o r or/my/our/his/her successors and assigns, will during such time as the capital sum or any part thereof remains unpaid, pay the mortgagee or his/her successors and assigns, interest on the whole or such part thereof as may for the time being remain unpaid, at the rate of ......... per cent per annum, in ......... payments on ........... (date) in every year, and for better securing to the mortgagee the repayment in the manner aforesaid of the capital sum and interest I/we/the mortgagor hereby mortgage to the mortgagee the above mentioned aircraft, of which I am/we are/he/she is the owner(s). I/we/the mortgagor, myself/ourselves/himself/herself/and my/our/his/her successors and assigns, warrant to the mortgagee and his/her successors and assigns, and hereby declare that I/we/the mortgagor has/have the power to mortgage in the manner aforesaid the above mentioned aircraft and that the said aircraft is free from encumbrances save as appears in the register of aircraft mortgages. Signed at on Name(s) of signatory (signatories) Signature(s) I certify that the deponent(s) have/has acknowledged that he/she knows and understands/they know and understand the contents of this statement, which was signed and affirmed/sworn to before me at on (Place) (Date) COMMISIONER OF OATHS Full name: Business address: Capacity: Area:
I certify that this mortgage has, in terms of section 4(2) of the Convention of the International Recognition of Rights in Aircraft Act 59 of 1993 had been recorded in the register of aircraft mortgages. Date of recording: Time of recording: Register number: COMMISIONER OF CIVIL AVIATION Precedent 10 Mortgage of an aircraft to secure a current account Convention on the International Recognition of Rights in Aircraft Act 59 of 1993 DEED OF MORTGAGE (TO SECURE A CURRENT ACCOUNT) (REGULATION 2) Notes: (i) The original deed of mortgage, accompanied by two certified true copies thereof, must be submitted to the Commissioner for Civil Aviation, Private Bag X193, Pretoria, 0001. (ii) Where the required information cannot be furnished in the space provided, the information must be submitted as a separate memorandum and attached hereto. (iii) The deed of mortgage must be signed by (a) the mortgager, if a natural person; (b) the partner duly authorised to execute documents on its behalf, if the mortgagor is a partnership; or (c) The officer(s) duly authorised to execute documents on its behalf, if the mortgagor is a company, close corporation or organisation. (iv) *Please delete whichever is not applicable. 1 Particulars regarding the morgagor 1.1 Full name: 1.2 Identity number/Company or CC Registration Number: 1.3 Full business/residential address: 1.4 Postal address: 1.5 Telephone number: 1.6 Telefax number: 1.7 Legal status (natural person/close corporation/company/organisation/other specify): 1.8 Full particulars in respect of the individual/each director/shareholder/partner/ member/office bearer: Name Position Identity number Nationality Country of permanent residence
2 Particulars regarding the moragee 2.1 Full name: 2.2 Identity number/Company or CC Registration Number: 2.3 Full business/residential address: 2.4 Postal address: 2.5 Telephone number: 2.6 Telefax number: 2.7 Legal status (natural person/close corporation/company/organisation/other specify): 2.8 Full particulars in respect of the individual/each director/shareholder/partner/ member/office bearer: Name Position Identity number Nationality Country of permanent residence 3 Particulars regarding the aircraft 3.1 Present nationality and registration mark(s) of the Aircraft: 3.2 South African registration letters, if registered: 3.3 Manufacturer of aircraft: 3.4 Manufacturer's type designation: 3.5 Aircraft serial number: 3.6 Particulars of amount of mortgaged shares in the aircraft, if any: Whereas there is a current account between (Name(s) of mortgagor)) And (Name of mortgagee) By virtue of (Description of the nature of the transaction so as to show how the amount of capital and interest due at any given time is to be ascertained, and of the manner and time of payment) Now therefor I/we (Name of signatory (signatories)) In my/our capacity as (Position)
Of (Name of mortgagor) Hereinafter referred to as the mortgagor, in consideration of the premise regarding myself/ourselves/the mortgagor and my/our/his/her successors and assigns, contract with (Name of mortgagee) Hereinafter referred to as the mortgagee, and his/her successors and assigns, to pay the sum, for the time being due on this security, whether by way of capital or interest, at the times and in the manner aforesaid, I/we/the mortgagor do hereby mortgage to the mortgagee the above mentioned aircraft, of which I/we are/the mortgagor is the owner(s). I/we/the mortgagor, myself/ourselves/himself/herself/and my/our his/her successors and assigns, warrant to the mortgagee and his/her successors and assigns, and hereby declare that I/we/have/the mortgagor has the power to mortgage in the manner aforesaid the above mentioned aircraft and that the said aircraft is free from encumbrances save as appears in the register of aircraft mortgages. Signed at on Name(s) of signatory (signatories) Signature(s) I certify that the deponent(s) have/has acknowledged that he/she knows and understands/they know and understand the contents of this statement, which was signed and affirmed/sworn to before me at on (Place) (Date) COMMISIONER OF OATHS Full name: Business address: Capacity: Area: I certify that this mortgage has, in terms of section 4(2) of the Convention of the International Recognition of Rights in Aircraft Act 59 of 1993 had been recorded in the register of aircraft mortgages. Date of recording: Time of recording: Register number: COMMISIONER OF CIVIL AVIATION D Indemnities General indemnity1 Precedent 1
1 The stamp duty is R20. To: (Name of bank indemnified) of (address). In consideration of your having agreed (or agreeing) to grant credit facilities to (name of person, subject of the indemnity) of (address) I, the undersigned, (name of indemnitor) of (address) hereby agree and undertake: 1 Indemnity To keep you indemnified and to hold you harmless against all loss or damage, from any cause arising, which you may sustain as a result of having granted the said credit facilities to the said (name of person, subject of the indemnity). 2 Undertaking to pay T o p a y y o u o n d e m a n d w h a t e v e r s u m s h a l l b e o w i n g t o y o u b y t h e s a i d ( name of person subject of the indemnity) arising out of the said credit facilities granted by you during the period of this indemnity.2 2 If it is desired that the indemnity shall also extend to legal costs and charges incurred in obtaining or endeavouring to obtain payment from the person in respect of whom the indemnity is given, specific provision to that effect should be inserted in this paragraph. 3 Evidence of indebtedness and waiver of benefits That a certificate reflecting the indebtedness of the said (name of person subject of the indemnity) to you, signed by (specify, for instance, your auditors for the time being) shall be prima facie proof of the said indebtedness; and shall entitle you to obtain judgment against me in the amount thereof in any court of competent jurisdiction. I waive the benefit of the exceptions non causae debiti, non numeratae pecuniae, and excussionis.3 3 Non causae debiti means no cause of indebtedness; non numeratae pecuniae means that the money has not been paid over; excussionis means that the creditor must first claim against the person in respect of whom the indemnity is given and only if, and to the extent that, payment from him is not recovered, can action be taken against the indemnitor. These defences are commonly renounced in agreements of suretyship (in regard to which see Wille Principles of South African Law 4 ed 460461); but it is advisable to refer to them in undertakings of indemnity. 4 Period of indemnity That my liability under this indemnity shall commence on the (day, month, year) and shall cease and terminate on the (day, month, year) (or my liability to you under this indemnity shall extend only in respect of indebtedness of the said (name of person subject of the indemnity), to you arising during the period (day, month, year) to (day, month, year)).4 4 Under the first form given in this clause the indemnitor ceases to be liable after the period of the indemnity has expired; under the alternative form he remains liable, but only in respect of an indebtedness which arose during the period of the indemnity. SIGNED at (place) this (day, month, year) in the presence of the undersigned witnesses Witnesses: 1 (Signature of indemnitor) 2 (Signatures of witnesses) Precedent 2 Undertaking to provide for accommodation bill and to indemnify acceptor1 1 Stamp duty is payable: see Stamp Duties Act 77 of 1968, First Schedule, item 20; the rate of duty is calculated in reference to the amount of the bill. To: (Name of accommodation acceptor) of (address). 1 Consideration for undertaking IN CONSIDERATION of your having at my request and for my accommodation accepted a bill of exchange dated (date) and drawn by me on you for the sum of R.................... (.................... RAND) payable on the (date). 2 Indemnity I HEREBY UNDERTAKE AND AGREE to provide you with sufficient monies for the full payment and satisfaction thereof
(specify) days before the same shall become due and to indemnify you against all damages, interest, costs, charges and expenses which you may sustain or incur arising out of, or attributable to, your having so accepted the said bill. Dated at (place) this (day, month, year) (Signature of drawer) Precedent 3 Indemnity to sureties in respect of their liability on a promissory note1 1 Stamp duty is payable: see Stamp Duties Act 77 of 1968, First Schedule, item 20; the rate of duty is calculated in reference to the amount of the promissory note. To: (Names of sureties) of (addresses). 1 Consideration for undertaking IN CONSIDERATION of your having assumed liability as sureties and coprincipal debtors in respect of a promissory note for the sum of R.................... (.................... RAND) made by me on (date) and payable to (payee) on (date). 2 Indemnity I HEREBY UNDERTAKE AND AGREE to indemnify you jointly and severally against all liability under the said promissory note and against all actions, proceedings, claims, damages, interest, costs and expenses whatsoever in relation thereto. Dated at (place) this (day, month, year) (Signature of indemnitor) E Compromise Precedent 1 Extrajudicial agreement of compromise between a debtor and his creditors1 1 Stamp duty will be payable both in respect of the guarantee and in respect of the appointment of the agent incorporated in the compromise: see Stamp Duties Act 77 of 1968; as for the amount of stamp duty in respect of guarantee, see Schedule 1 item 20 (there is a variable scale), and as to the amount of duty in respect of the appointment of the agent, see item 19 (the duty will be R1). MEMORANDUM OF AGREEMENT entered into between: (name of debtor) of (address) (\"the Debtor\") and the several persons, firms and companies whose names, the amounts of whose claims, and whose signatures appear in the schedule attached hereto marked Annexure \"A\" (\"the Creditors\") and (name of guarantor) of (address) (\"the Guarantor\") and (name of agent) of (address) (\"the Agent\")
WHEREAS (1) the Debtor is truly and lawfully indebted to the Creditors in the various sums set out in the schedule hereto; (2) the Debtor is not in a financial position forthwith to discharge all his said liabilities in full; (3) the Debtor and the Creditors wish to avoid the sequestration of the Debtor's estate, and to save further costs being incurred by the Creditors instituting or continuing legal proceedings for the recovery of their claims; (4) the Debtor is able to furnish security for the due payment to each of the Creditors of part of his or its claim in full settlement; (5) each of the Creditors has agreed, upon certain terms and conditions, to accept such part payment in full and final settlement of his or its claim; (6) the Creditors have appointed the Agent as their agent for the purposes of giving effect to this agreement; NOW THEREFORE it is agreed as follows: 1 Compromise of claims The Creditors hereby accept the sum of (specify) cents in the rand on the amount of their claims,2 in full and final settlement thereof. 2 This precedent envisages that the claims include the costs, if any, incurred by creditors in respect of legal proceedings already taken against the debtor prior to the compromise. If it is desired to provide for a situation where the compromise relates only to the original claims and the debtor is otherwise to pay in full costs which may already have been incurred, the following clauses may be inserted: \"(a) In addition to the amount payable in terms of clause 1, the Debtor shall pay the taxed party and party costs of those of the Creditors who have instituted proceedings against him for the recovery of their claims in full. (b) Payment of such costs to each such Creditor shall be made within (state) days after the total amount payable in terms of clause 1 hereof shall have been paid.\" It is considered that clause (b) is necessary because if the debtor is required to pay the costs forthwith, and he defaults, the creditors concerned could proceed to his sequestration and thus frustrate the whole compromise. Even if the debtor is required to pay the costs in instalments pari passu with the instalments payable in respect of the claims, the difficulty is not removed: because, in the event of default, enforcement of the claims for costs by the creditors concerned would again be potentially destructive of the whole compromise, they being entitled to proceed to sequestration of the debtor. The aforegoing assumes, of course, that only some of the creditors have additional claims for costs, so that there exists this conflict of interests between them and those who do not have such claims. Where, therefore, the creditors with additional claims for costs are not prepared to compromise such claims, or to agree to a postponement of the payment thereof as contemplated by clause (b) above, it is suggested that there would have to be a postponement of the right to enforce such payment by legal proceedings until the compromise has been discharged. For this contingency the following is suggested: omit clause (b) above and insert a clause after clause 2 reading: \"The total amount payable in terms of clause (state) (which is the amount compromised of all those amounts reflected in the schedule hereto which are (describe, for example, preceded by the letter C or whatever form is used to identify amounts representing costs) shall be paid by the Debtor to the Agent in (state) equal monthly instalments of R.................... (.................... RAND) (or as the case may be) pari passu with the payment of the instalments referred to in clause 2.1, and upon receipt of each of the firstmentioned instalments the Agent shall distribute the amount thereof pro rata among the Creditors concerned.\"; amend the existing clause 4 to indicate that it applies to instalments payable in terms of the existing clause 2, and after clause 4 insert the following clause: \"In the event of the Debtor failing to pay any one of the instalments referred to in clause (state) on due date, each of the Creditors concerned shall be entitled to take whatever steps he or it may deem advisable against the Debtor for the recovery of the full amount of his or its claim for costs as at the date of default, provided that no such steps shall be taken until the total amount payable in terms of clause 1 shall have been paid unless the Debtor has also defaulted in effecting payment of any one instalment in terms of clause 2.1.\" 2 Payment 2.1 The total amount payable to the Creditors in terms of clause 1 shall be paid by or on behalf of the Debtor to the Agent in (state) equal monthly instalments of R.................... (.................... RAND), the first on or before (day, month, year), the second on or before (day, month, year) and the third on or before (day, month, year). 2.2 Upon receipt of each instalment the Agent shall distribute to each of the Creditors that portion thereof to which he or it is entitled in terms of clause 1. 3 Guarantee The Guarantor irrevocably and in rem suam hereby binds himself as surety for and coprincipal debtor with the Debtor for the due payment of the instalments in terms of clause 2.1. 4 Default in payment of instalment 4.1 In the event of any one of the said instalments not being paid on due date the Creditors shall have the right forthwith to institute legal proceedings against the Debtor and/or the Guarantor for the recovery of the full amount payable by the Debtor in terms of clause 1 which is outstanding at the date of the Debtor's default. 4.2 Alternatively to clause 4.1, in the event of any one of the said instalments not being paid on due date the
Creditors shall have the right jointly to declare this agreement to have lapsed and each Creditor shall then be at liberty individually to take whatever steps he or it may deem advisable against the Debtor for the recovery of the full amount of his or its claim as set out in the schedule hereto less whatever amount he or it may have already received in terms of this agreement. 4.3 Should the Creditors elect to proceed in terms of clause 4.1, the Agent shall be entitled in his own name to act on behalf of all the Creditors in connection with the institution and prosecution of the aforesaid legal proceedings. 5 Agent's costs The costs incurred by the Agent in connection with the collection and distribution of the said instalments shall be paid by the Debtor to the Agent as and when demanded; if the Debtor fails to effect any such payment, it shall be payable by the Guarantor upon demand. This clause shall operate also in the situation where any such costs have been incurred and there has been default by the Debtor in respect of any obligation undertaken by him in terms of this agreement. 6 Agreement conditional on signing of schedule by each creditor This agreement shall have no force or effect unless on or before (day, month, year) the schedule hereto shall have been signed by each of the Creditors. 7 Agreement conditional on payment by debtor of costs of preparation and execution hereof The costs of the preparation and execution of this agreement shall be borne by the Debtor, who shall pay the same by not later than (day, month, year) and, failing such payment, this agreement shall have no force or effect. SIGNED at (place) on this (day, month, year) Witnesses: 1 (Signature of debtor) 2 (Signatures of witnesses) SIGNED at (place) on this (day, month, year) Witnesses: 1 (Signature of guarantor) 2 (Signatures of witnesses) SIGNED at (place) on this (day, month, year) Witnesses: 1 (Signature of agent) 2 (Signatures of witnesses) Name of creditor ANNEXURE \"A\" Signature of creditor Amount of claim F Novation Precedent 1 Substitution of surety1 1 See the Stamp Duties Act 77 of 1968 Schedule 1 item 20: the amount of stamp duty depends upon whether or not the amount is stated in the instrument. It may be desirable to disclose the amount for which the new surety is liable. I, (name of new surety) o f (address) , w a i v i n g a l l t h o s e b e n e f i t s w h i c h (name of existing surety) o f (address) h a s waived as surety for (name of principal debtor) of (address), in terms of the written deed of suretyship dated (day, month, year), a copy of which is annexed hereto, do hereby for good cause and at the request of (name of principal debtor), bind myself as coprincipal debtor and surety for payment of so much as (name of principal debtor) owes to
(name of creditor) of (address), in place of (name of existing surety), who is now released by (name of creditor) from his suretyship for the same. SIGNED at (place) on this (day, month, year) in the presence of the undersigned witnesses Witnesses: 1 (Signature of creditor) 2 (Signatures of witnesses) SIGNED at (place) on this (day, month, year) in the presence of the undersigned witnesses Witnesses: 1 (Signature of debtor) 2 (Signatures of witnesses) SIGNED at (place) on this (day, month, year) in the presence of the undersigned witnesses Witnesses: 1 (Signature of new surety) 2 (Signatures of witnesses) Voorbeelde INHOUD A Opening en bestuur van rekeninge 1 Aansoek vir opening van 'n tjekrekening 2 Tekenopdragte (wat die aansoek vir opening van 'n tjekrekening vergesel) 3 Aansoek om spaar of beleggingsrekening te open 4 Minimum vereistes vir die toestaan van boulenings tesame met die Wet op Nasionale Bouregulasies en Boustandaarde 103 van 1977 5 Aansoek vir 'n kredietkaart 6 Gesertifiseerde afskrif van resolusie 7 Opdrag om betaling te staak 8 Aansoek om 'n debietorder B Verhandelbare dokumente 1 Promesse deur 'n enkele maker 2 Promesse deur gesamentlike en afsonderlike makers 3 Promesse betaalbaar in paaiemente 4 Promesse met inpandgewing van aanvullende sekuriteit 5 Promesse wat op 'n bepaalde plek betaalbaar gemaak word 6 Promesse deur 'n maatskappy gemaak 7 Wissel betaalbaar op aanvraag of op sig of by aanbieding 8 Wissel betaalbaar na datum of na sig 9 Wissel betaalbaar in paaiemente met of sonder rente met of sonder versnellingsklousule 10 Nieoordraagbare wissel 11 Wissels getrek sonder reg op verhaal 12 Algemeen en volstrekte akseptasie 13 Beperkte akseptasie 14 Algemene endossement 15 Spesiale endossement 16 Beperkte endossement 17 Endossement wat aanspreeklikheid uitsluit 18 Gewone tjek 19 Nieoordraagbare tjek 20 Algemene kruising 21 Spesiale kruising 22 Nie verhandelbare kruising 23 Kennisgewings van dishonorering aan trekker van 'n wissel
24 Kennisgewing van dishonorering aan endossant van 'n wissel 25 Kennisgewing van dishonorering aan endossant van 'n promesse 26 Kennisgewing van dishonorering aan trekker van 'n tjek 27 Protestering van 'n wissel deur 'n notaris 28 Protes deur 'n gesinshoof waar die dienste van 'n notaris nie verkrygbaar is nie 29 Notariële erehandeling vereis by betaling ter ere, na protes 30 Aandelebewyse C Sekerheidstelling vir voorskotte 1 Sessie van versekeringspolis 2 Sessie van eise 3 Sessie van reg op erfenis 4 Sessie van boekskulde as sekerheid 5 Pand 6 Verpanding van vorderingsreg 7 Borgstelling (wat sessie van eise insluit) 8 Verband oor skip om lopende rekening te verseker 9 Verbandakte van lugvaartuig om kapitaalsom en rente te verseker 10 Verbandakte van lugvaartuig om lopende rekening te waarborg D Vrywaringe 1 Algemene vrywaring 2 Onderneming om vir akkommodasiewissel voorsiening te maak en om akseptant te vrywaar 3 Vrywaring van borge ten opsigte van hulle aanspreeklikheid op 'n promesse E Skikking 1 Buitegeregtelike skikkingsooreenkoms deur 'n skuldenaar en sy skuldeisers F Novasie 1 Vervanging van borg A Opening en bestuur van rekeninge Voorbeeld 1 Aansoek vir opening van 'n tjekrekening Besonderhede van die aansoeker In die geval van 'n natuurlike persoon: (Voeg naam, identiteitsnommer en adres in) I n d i e g e v a l v a n ' n v e n n o o t s k a p : (V o e g n a m e v a n v e n n o t e , i d e n t i t e i t s n o m m e r s , a d r e s s e v a n v e n n o t e e n d i e handelsnaam van die vennootskap in) In die geval van 'n boedel of trust: (Voeg besonderhede aangaande die eksekuteur of trustee en sy/haar adres in en heg afskrif van eksekuteursbriewe of aanstellingsbrief van die Meester van die Hooggeregshof aan) In die geval van 'n maatskappy of beslote korporasie: (Voeg die volgende in: naam van maatskappy of beslote korporasie, registrasienommer en geregistreerde adres en heg afskrifte aan van sertifikaat van inlywing, sertifikaat om met besigheid te begin, aandeelhouersooreenkoms, of gewysigde sertifikaat van inlywing) Die volgende administratiewe besonderhede mag vereis word: Besonderhede van bestaande rekeninge; Besonderhede wat op tjekvorms, depositostrokies en bankstate gedruk moet word; Opdragte in verband met die oordrag van rente, bankkostes ens na ander rekeninge Bedinge en voorwaardes wat betrekking het op die tjekrekening: 1 Die aansoeker wie se besonderhede hierbo uiteengesit is, kom ooreen om 'n tjekrekening te bedryf in ooreenstemming met die volgende bedinge en voorwaardes: 2 Die aansoeker waarborg dat die inligting verskaf in hierdie dokument korrek en van wesenlike belang is en direk betrekking het op die aansoek. 3 Die aansoeker onderneem om die bank onmiddellik in kennis te stel indien enige inligting verouderd raak of aansienlik verander, of indien enige wesenlike feit bekend word wat die verhouding tussen die aansoeker en die bank mag beïnvloed. 1 Die bank sal alle wissels en ander verhandelbare dokumente ontvang en insamel wat deur die aansoeker aan
die bank toevertrou word tot die krediet van die tjekrekening van die applikant, en sal dit aan die aansoeker, na klaring daarvan, as kontant beskikbaar stel. Indien die bank enige betaling teen 'n dokument maak wat nie geklaar is nie, sal dit op die risiko van die aansoeker gedoen word, en sal die bank nie aanspreeklik gehou word vir sodanige betaling nie. 2 Die bank sal betaling teen enige tjek, wissel, promesse of enige ander verhandelbare dokument of betaling wat deur die aansoeker getrek word maak en sal sodanige betaling teen die tjekrekening van die aansoeker debiteer ongeag of sodanige rekening kredietwaardig is of nie. 3 Indien die aansoeker die tjekrekening sou oortrek sonder om vooraf reëlings met die bank te tref, of indien die aansoeker die oortrekkingsbedrag waartoe voorheen met die bank ooreengekom is oorskry sonder om vooraf reëlings met die bank te tref, sal die bank, sonder enige kennisgewing aan die aansoeker, geregtig wees om: 3.1 te weier om enige betaling te maak teen die dokument wat die gevolg sal hê dat die bank 'n betaling moet maak waartoe nie ooreengekom is nie; of 3.2 sodanige betaling te maak en te vereis dat enige bedrag waarmee die rekening oortrek is onmiddellik betaal word; 3.3 die betaling van rente op die bedrag waarmee die rekening oortrek is te vereis teen 'n koers volgens die goeddunke van die bank, maar nie die regtens voorgeskrewe maksimum rentekoers oorskry nie; 3.4 sodanige rente teen die rekening op 'n maandelikse basis te debiteer. 4 Die bank sal 'n retensiereg verkry oor enige dokument met monetêre waarde wat in sy besit geplaas word deur die aansoeker en sal daarop geregtig wees om sodanige dokument in te vorder vir die krediet van enige rekening van die aansoeker wat oortrek is. 5 Die bank sal daarop geregtig wees om die tjekrekening van die aansoeker te debiteer met sodanige bankkostes as waarop met die aansoeker ooreengekom word, of wat gebruiklik is vir die tipe besigheid wat deur die bank bedryf word, en hierdie kostes sal fooie, kommissies, rente en heffings insluit. 6 Die bank sal daarop geregtig wees om die skuldlas van die aansoeker te bewys, of die bedrag van rente verskuldig of die rentekoers by wyse van 'n sertifikaat wat deur die bestuurder van die bank onderteken is, en die korrektheid van die gesertifiseerde bedrag of inligting verskaf in die sertifikaat sal aanvaar word totdat die teendeel deur die aansoeker bewys word. 7 Die bank sal daarop geregtig wees om enige inligting wat die aansoeker aan die bank beskikbaar gestel het en wat verband hou met die aansoeker en sy/haar besigheid aan enige verwante besigheid in die groep waarvan die bank deel vorm bekend te maak, en sal daarop geregtig wees om die wyse waarop die aansoeker sy tjekrekening bedryf op versoek aan enige kredietburo bekend te maak. 8 Die aansoeker waarborg dat alle inligting wat hy/sy in die toekoms aan die bank mag verskaf in verband met sy f i n a n s i ë l e p o s i s i e a k k u r a a t e n b e t r o u b a a r s a l w e e s , e n d a t s o d a n i g e i n l i g t i n g d i e b a s i s s a l v o r m v a n d i e voortgesette bank en finansieringskontrak tussen die aansoeker en die bank. Die aansoeker sal die bank onmiddellik in kennis stel sodra enige wesenlike verandering plaasvind wat verband hou met enige inligting wat te enige tyd aan die bank verskaf word. 9 Indien die aansoeker van die bank vereis om 'n verpligting vir die betaling van enige bedrag getrek op die bankrekening van die aansoeker op enige wyse te verskaf, sal die aansoeker nie daarop geregtig wees om sodanige opdrag nadat dit uitgereik is terug te trek nie, tensy die aansoeker ook die dokument wat deur die bank uitgereik is wat die verpligting bevat ook aan die bank beskikbaar stel. 1 0 Die adres wat deur die aansoeker verskaf is in die besonderhede hierbo sal dien as domicilium citandi et executandi sowel as die adres vir die lewering van alle kennisgewings wat die bank aan die aansoeker wil rig. Die aansoeker mag sodanige adres verander nadat kennis van sodanige adresverandering aan die bank gegee is, maar die adresverandering sal slegs van krag word nadat die bank die aansoeker van 'n kwitansie wat kennisgewing van die adresverandering erken, voorsien het. Alle kennisgewings wat deur die bank aan die aansoeker gegee word sal geag word aan die aansoeker gelewer te wees op die dag waarop dit aan die aansoeker oorhandig word, of drie dae nadat dit aan die aansoeker gepos is. 1 1 Die aansoeker stem toe tot die jurisdiksie van die landdroshof wat jurisdiksie het oor sy/haar persoon soos b e p a a l d e u r a r t i k e l 4 5 v a n d i e W e t o p L a n d d r o s h o w e 3 2 v a n 1 9 4 4 v i r e n i g e g e d i n g e w a t d i e b a n k t e e n d i e aansoeker mag instel. Nieteenstaande hierdie ooreenkoms, sal die bank daarop geregtig wees om aksie in die Hooggeregshof in te stel indien die bank van mening is dat dit noodsaaklik en geregverdig is. GETEKEN te (plek) op (datum) in die teenwoordigheid van die ondergetekende getuies. GETUIES: 1 (Handtekening van aansoeker) 2 (Handtekeninge van getuies) GETEKEN te (plek) op (datum) in die teenwoordigheid van die ondergetekende getuies.
GETUIES: 1 (Handtekening namens bank) 2 (Handtekeninge van getuies) Voorbeeld 2 Tekenopdragte (wat die aansoek vir opening van 'n tjekrekening vergesel) Aan: Die Bestuurder, ABC Bank, DEF Tak. E k , d i e o n d e r g e t e k e n d e , (o f O n s d i e l e d e / d i r e k t e u r e / v e n n o t e / l i k w i d a t e u r / t r u s t e e v a n ( v o e g n a a m v a n b e s l o t e korporasie, maatskappy, bestorwe boedel of trust in)) van adres (voeg die adres van die aansoeker vir tjekrekening in) versoek die volgende (o f het die volgende besluit geneem, onderworpe aan die voorwaardes hieronder uiteengesit): 1 Dat 'n tjekrekening in die naam van (voeg naam van aansoeker in) geopen word by die DEF tak van die ABC Bank. 2 Daar word van die bank vereis om die handtekeninge van die behoorlik gemagtigde ondertekenaars op alle tjeks, wissels en promesses of enige ander verhandelbare dokument wat aan die bank voorgelê word te aanvaar, en om in ooreenstemming met die opdragte vervat in sodanige dokumente te handel, om kragtens sodanige opdrage te betaal of die rekening in krediet is al dan nie en om enige betaling teen die rekening van die aansoeker te debiteer, om enige ooreenkoms of dokument wat voorgee deur die gemagtigde ondertekenaars van die aansoeker onderteken te wees wat verband hou met deposito's, waarborge, kredietbriewe, spaarrekeninge, telegrafies, elektronies of toonbanktransaksies te betaal en in ooreenstemming daarmee te handel. 3 Die name van die ondertekenaars mag van tyd tot tyd gewysig word, maar die wysiging sal slegs van krag wees wat die bank aanbetref nadat kennisgewing daarvan deur die bank ontvang is. 4 Die bank word versoek om te handel op die versoek van enige van die ondertekenaars wat die betaling van verhandelbare dokumente kanselleer of enige ander versiek vir betaling of debietorder, en om te reageer op die draer van skriftelike versoeke vir tjekboeke, depositostrokies, bankstate en balanssertifikate met betrekking tot die betrokke rekening, deposito of transmissie. 5 Die bank word versoek om enige stuk wat in die besit van die bank mag wees vir die doel van veilige bewaring aan die draer van 'n skriftelike versoek wat voorgee om deur enige van die gemagtigde ondertekenaars onderteken te wees, te oorhandig. 6 Hierdie magtiging sal gehou word by die tak van die bank waar die rekening geopen word, en sal van krag bly totdat dit gewysig of herroep word. 7 Die bank sal nie aanspreeklik gehou word vir die verlies wat vloei uit enige onopsigtige wysiging aangebring aan enige tjeks, wissels of promesses wat met skryfmateriaal wat uitgevee kan word, ingevul word nie. 8 Alle tjeks, wissels of promesses, onttrekkingstrokies, oordrag of betalingsopdragte aangaande die rekening wat redelik geag word geteken te wees of aanvaar te wees deur 'n ondertekenaar van die aansoeker en wat aan die bank gerig is vir uitvoering sal geag word 'n reëlmatige opdrag aan die bank te wees om daarkragtens te handel. 9 Die aansoeker onderneem om die bank onmiddellik in kennis te stel indien enige van die tjekboeke, rekeninge, state, depositoboeke of strokies of kaarte wat deur die bank voorsien word aan die aansoeker verlore sou raak of gesteel sou word. Die aansoeker onderneem om redelike sekerheidsmaatreëls te tref vir die veilige bewaring van alle bankgegewens wat deur die bank voorsien is aan die aansoeker en in besonder om enige PIN nommer veilig te bewaar. 10 Enige batige saldo wat op enige rekening wat deur die aansoeker met die bank of enige geaffilieerde besigheid bedryf word mag volgens oordeel van die bank gebruik word om enige debiet op enige rekening wat deur die aansoeker met die bank of enige geaffilieerde besigheid bedryf word te likwideer. 11 Die bank sal daarop geregtig wees om enige aanspreeklikheid van die aansoeker teenoor die bank aan enige party van sy keuse te sedeer. 1 2 Niks wat in hierdie opdrag vervat word, sal uitgelê word om 'n afstanddoening deur die bank van enige gemeenregtelike reg, of enige reg wat kragtens bankpraktyk aan die bank toekom, te wees nie. 1 3 Indien die bank toelaat die rekening oortrek word, of toelaat dat betaling teen ongeklaarde dokumente of effekte wat die gevolg het dat die rekening oortrek word, sal dit nie die gevolg hê dat 'n vermoede van estoppel teen die bank geskep word nie.
1 4 Indien die rekening in die naam van 'n vennootskap, maatskappy, beslote korporasie, trust of vereniging geopen word, moet alle dokumente wat deur die aansoeker uitgereik word deur (voeg getal in) v a n d i e ondertekenaars wat hierby aangeheg word, onderteken word. GETEKEN te (plek) op (datum) in die teenwoordigheid van die ondergetekende getuies. GETUIES: 1 (Handtekening van aansoeker) 2 (Handtekeninge van getuies) Aanhangsel Lys van besonderhede en proefhandtekeninge van ondertekenaars Naam Proefhandtekening Voorbeeld 3 Aansoek om spaar of beleggingsrekening te open Ek/ons, (voeg naam van ondertekenaar(s) in), doen hiermee aansoek om 'n spaar of beleggingsrekening te open onderworpe aan die voorwaardes hieronder uiteengesit. Nuwe rekeningnommer: Besonderhede van bestaande rekeninge: Besonderhede van aansoeker Naam: (Voeg naam van aansoeker in.) Adres: (Voeg adres van aansoeker in.) Besonderhede van rekening: Spaar of belegging (Skrap wat nie van toepassing is nie) Soort spaar of beleggingsrekening wat vereis word: Spaarrekeninge beskikbaar: (Voeg lys van beskikbare reeks van spaarrekeninge hier in). B e l e g g i n g s r e k e n i n g e b e s k i k b a a r : (V o e g l y s v a n b e s k i k b a r e r e e k s v a n beleggingsrekeninge hier in). Inligting in verband met spaarrekeninge: Vereis u 'n debietkaart/OTM kaart/spaarrekeningboek? (S k r a p w a t n i e v a n toepassing is nie) Inligting in verband met beleggingsrekeninge: Bedrag belê: R.... Termyn ( voeg getal in) jaar of (voeg getal in) maande of (voeg getal in) dae Verhoging van belegging: R .......... per ......... Aanvangsdatum: (Voeg datum in) Inligting rakene rente: Rente betaal te word: Maandeliks/kwartaalliks/jaarliks/by termynverloop Verskaf besonderhede van die rekening waarteen rente gekrediteer moet word: Naam van instelling en tak: (Voeg naam van instelling en tak hier in.)
Naam van rekeninghouer: (Voeg naam van rekeninghouer hier in.) Rekeningnommer: (Voeg rekeningnommer hier in.) Aanvangsdatum: (Voeg aanvangsdatum hier in) (of by termynverloop). Voorwaardes 1 Rentekoerse betaalbaar op spaarrekening mag gewysig word sonder vooraf kennisgewing. 2 Bankkostes of diensfooie mag sonder vooraf kennisgewing gewysig word. 3 Beleggings wat beleggings in die termynmark vereis sal uitgevoer word deur makelaars wat deur die bank aangestel sal word. 4 Beleggings wat die gebruik van 'n kaart of boek vereis, sal onderhewig wees aan die volgende: 4.1 Die bank sal daarop geregtig wees om die belegging te debiteer met alle bedrae wat onttrek word by wyse van 'n kaart of persoonlike identifikasienommer (\"PIN\"). Indien die kaart of PIN verlore raak of gesteel word sal die bank daarop geregtig bly totdat skriftelike kennisgewing van die diefstal of verlies deur die bank ontvang is. Die bank sal geregtig wees om rente te hef op die betaling van enige bedrae indien die rekening oortrokke raak. 4 . 2 D i e b a n k m a g p e r k e s t e l a a n d i e a a n t a l o n t t r e k k i n g s w a t g e m a a k m a g w o r d s o w e l a s d i e a a n t a l o o r d r a g t e tussen rekeninge. 4.3 Die kaart en/of die spaarrekeningboek bly die eiendom van die bank, en moet op versoek van die bank aan die bank terugbesorg word. 4 . 4 R e n t e s a l b e t a a l w o r d o p e n i g e r e k e n i n g w a t o o r t r o k k e i s t e e n d i e r e n t e k o e r s t o e p a s l i k o p r e k e n i n g e w a t oortrokke is sonder dat vooraf reëlings met die bank getref word. 4.5 Die bank moet onmiddellik skriftelik in kennis gestel word van die verlies of diefstal van die kaart of PIN of boek wat na die betrokke rekening verwys. 4.6 Ek/ons onderneem om nie enige derde party toe te laat om die kaart te gebruik nie of om die PIN nommer aan enige derde party bekend te maak nie. 4.7 Ek/Ons kies die adres hierbo verskaf as domicilium citandi et executandi. 4.8 Ek/Ons stem toe tot die jurisdiksie van die landdroshof vir die doel om enige eis wat uit hierdie ooreenkoms mag voortvloei te bereg, en stem toe tot 'n kostebevel op die prokureurenkliënt skaal. 4.9 Ek/Ons stem toe dat 'n sertifikaat deur die bankbestuurder onderteken prima facie bewys sal wees van my/ons verskuldigdheid aan die bank, en prima facie bewys sal verskaf van die gebruik van 'n bankkaart of PIN vir enige besondere transaksie. Dit sal nie nodig wees om bewys te verskaf vir die aanstelling van die ondertekenaar van die sertifikaat nie. 5 Ek/Ons erken dat die inligting hierbo verskaf akkuraat is en dat dit die basis van die aansoek van die rekening verskaf. Ek/Ons erken dat niks hierin vervat op enige wyse van die toepassing van die normale prosedures en praktyke van die bank afbreuk sal doen nie. GETEKEN te (plek) op (datum) in die teenwoordigheid van die ondergetekende getuies. GETUIES: 1 (Handtekening van aansoeker) 2 (Handtekeninge van getuies) GETEKEN te (plek) op (datum) in die teenwoordigheid van die ondergetekende getuies. GETUIES: 1 (Handtekening namens bank) 2 (Handtekeninge van getuies) Voorbeeld 4 Minimum vereistes vir die toestaan van boulenings tesame met die Wet op Nasionale Bouregulasies en Boustandaarde 103 van 1977 1.1 Omskrywings
1.1.1 \"die bank\" beteken ABC Bank (hierna \"die Bank\" genoem); 1.1.2 \"Aanvaarbaar\" beteken aanvaarbaar ingevolge standaard boupraktyk of wat voldoen aan die vereistes van die Nasionale Bouregulasies. 1.2 Voldoening aan bouregulasies Alle werk moet voldoen aan en uitgevoer word in ooreenstemming met die Nasionale Bouregulasies en Plaaslike Owerheid Verordeninge. Planne wat ingedien is by die bank moet deur die betrokke owerheid goedgekeur word en moet vergesel word van 'n skedule waarin alle afwerkings aangetoon word. 1.3 Materiaal en konstruksiemetodes Aanvaarbare materiaal en konstruksiemetodes word hieronder aangedui. Indien daar om enige rede verlang word om nuwe tipes boumateriaal of nuwe konstruksiemetodes te gebruik, moet die toestemming van die bank vooraf verkry word. Die bank behou die reg voor om enige materiaal of konstruksiemetode of te aanvaar of te verwerp sonder enige verhaal tot die bank. 1.4 Perseel identifikasie Die kliënt sal voor die aanvang van die bouwerk die grenspale of bakens van die bouperseel aan die bank se inspekteur aandui. Indien die pale of bakens nie identifiseerbaar is nie, moet die kliënt die dienste van 'n landmeter verkry ten einde die posisies te bepaal. 1.5 Kennisgewing van fondamentvore Die kliënt moet die bank drie dae kennis gee van die tyd waarop die fondamentvore of enige ander saak waarvoor inspeksie benodig word gereed sal wees vir inspeksie. Geen bouwerk sal begin of voortgesit word tensy sodanige inspeksie plaasgevind het nie. 1.6 Vorderingsbetalings Geen vorderingsbetalings sal gemaak word nie tensy: 1.6.1 die goedgekeurde planne of kennisgewing van goedkeuring, bouer se afstanddoenig van retensiereg, kontrakteurs se alle risiko versekeringspolis en alle ander dokumente wat verband hou met die lening voltooi is en deur beide die kliënt en die bouer onderteken is; 1.6.2 die vereiste kennis gegee is. 2 Voorbereiding van die perseel 2.1 Skoonmaak van die perseel 2.1.1 Die bouperseel moet skoon gemaak word en alle rommel en plantegroei moet verwyder word. Die perseel moet ondersoek word vir termietbedrywighede en, indien nodig, behandel word kragtens SABS 0124 wat verband hou met grondvergiftiging. 2.1.2 Waar bome of boomwortels binne die bouarea verwyder word, moet die grond gekonsolideer word. 2.2 Onstabiele grondtoestande 2.2.1 Die bank mag versoek dat die kliënt toetse laat neem van die grond deur 'n geregistreerde geotegniese grondingenieur. Indien bevind word dat die grond onstabiel is, moet 'n geregistreerde struktuuringenieur spesifikasies en tekeninge voorberei vir die versterking van beide die fondamente en die bostruktuur in samewerking met die geotegniese grondingenieur, tot die bevrediging van die bank. 2.2.2 Die ingenieur sal toesig hou oor die werk en 'n sertifikaat van goedkeuring lewer by voltooiing van die werk. 2.3 Uitgrawings 2.3.1 Enige uitgrawing vir enige fondamente sal tot op vaste natuurlike grond gegrawe word tensy andersins gespesifiseer deur 'n struktuuringenieur. 2.3.2 Alle uitgrawings sal afgewerk word om horisontaal en vertikaal te wees. Enige uitgrawing in soliede rots met vlakke wat nie horisontaal of vertikaal is nie, sal vasgeheg word soos bepaal in item 2.3.3. 2.3.3 Waar enige fondament op soliede rots geplaas word, moet die draarea skoon gemaak word en vasgeheg word om laterale beweging van sodanige fondament te voorkom. 2 . 3 . 4 Behalwe waar die fondament vir enige messelwerkbuitemuur op soliede rots geplaas word, moet die uitgrawing ten minste 300 mm onder die aangrensende afgewerkte grondvlak wees. 2 . 3 . 5 V o r e m o e t g e l y k g e m a a k e n a f g e v l a k w o r d . D i e l e n g t e v a n d i e v l a k k e m o e t d i e s e l f d e d i k t e w e e s s o o s gespesifiseer vir die betonsteunstukke in verhouding tot die berekende steenlae. Enige uitgrawings wat te diep uitgegrawe word moet tot op die korrekte vlakke opgevul word met Klas A beton; teruginvulling en vasstamp sal
nie aanvaar word nie. 2.4 Afmetings van fondamentsteunstukke vir messelwerkmure 2.4.1 Geag die reëls vir fondamente te bevredig Die volgende is algemene afmetings soos uiteengesit in die Nasionale Bouregulasies maar is onderworpe aan verandering soos bepaal deur die plaaslike owerheid of struktuuringenieur. Afmeting van strookfondament: minimum dikte: 200 mm minimum wydte: 600 mm 2.4.2 A l g e m e n e g i d s v i r d i e g r o o t t e s v a n f o n d a m e n t e ( o n d e r w o r p e a a n d i e p l a a s l i k e o w e r h e i d o f struktuuringenieur se goedkeuring): Buitemure 345 mm 715 mm x 200 mm Buitespoumure 270 mm 645 mm x 200 mm Buitemure 230 mm 600 mm x 200 mm Binnemure 110 mm 450 mm x 200 mm 2.4.3 Skoorstene, trappies en hoë gewels Beton mag nie minder as 150 mm verder as die buiterand van die steenwerk x 200 mm dikte wees nie. 2.5 Afmetings van fondamentsteunpunte onder houtraammure Fondamente moet opgerig word in ooreenstemming met SABS 082. (Verwys na die Nasionale Bouregulasies.) 2.6 Afmetings van fondamentsteunpunte onder messelsteenwerk grensmure Beton fondamente moet die wydte van die muur wees plus 300 mm en mag nie minder as 150 mm breed wees nie. 3 Beton en messelwerk 3.1 Fondamente 3.1.1 Fondamente moet gewapen wees waar vereis en die dikte mag nie minder as 200 mm wees nie. Trappe sal 'n minimum diepte hê afhangende van die helling van die grond met 'n oorhang van ten minste 150 mm. 3.1.2 Fondamentsteunpunte in onstabiele grondtoestande moet uitgevoer word soos beskryf in paragraaf 2.2 hierbo. 3.2 Waar enige betonvloerblad verdik is om 'n fondament te vorm: 3 . 2 . 1 moet die dikte, met inbegrip van sodanige vloerblad nie minder wees nie as wat vereis word vir 'n aaneenlopende strookfondament van 200 mm; 3.2.2 moet die breedte van die verdikte gedeelte onder sodanige vloerblad nie minder wees nie as wat vereis word vir 'n aaneenlopende strookfondament soos vereis deur die plaaslike owerheid; 3.2.3 sal die gebruik van hierdie sisteem slegs toelaatbaar wees op voorwaarde dat die grond met masjinerie gekompakteer en gekonsolideer word tot 'n digtheid van 90% gemodifiseer AASHO wat geverifieer en nagegaan sal word deur 'n ingenieur wat 'n sertifikaat van sodanige toets aan die bank moet lewer. 3.3 Beton 3.3.1 Onderworpe aan vooraf goedkeuring word slegs beton wat met masjiene gemeng is toegelaat. 3.3.2 Waar toegelaat, moet beton wat op die perseel gemeng word, as volg saamgestel word: 6 dele growwe aggregaat SABS 1083 3 dele skoon sand SABS 1083 1 deel sement SABS 471, 831 en 626 20 tot 44 liter water tot elke 50 kg sak sement Die beton wat gebruik word sal 'n saampersende sterkte hê van nie minder nie as 10 MPA teen 28 dae. Die nominale grootte van die growwe aggregaat wat gebruik word moet van 19,00 mm tot 26,5 mm wees. 3.3.3 Aangemaakte beton moet voldoen aan SABS 878. 3.3.4 Gewapende beton Alle gewapende beton moet in ooreenstemming met planne en spesifikasies voorberei word en 'n geregistreerde siviele of struktuuringenieur moet daaroor toesig hou en dit sertifiseer by voltooiing.
3.4 Fondamentmure 3 . 4 . 1 F o n d a m e n t m u r e m o e t v a n s o l i e d e s t e e n m e s s e l w e r k , h a r d g e b a k t e k l e i s t e n e , k l i p , b e t o n b l o k k e o f a n d e r goedgekeurde materiaal wees. Fondamente moet voldoen aan paragraaf 3.4.3. 3.4.2 Die hoogte van enige fondamentmuur mag nie 1,5 m oorskry nie. Waar hierdie hoogte oorskry word moet die muur deur 'n struktuuringenieur ontwerp word. 3.4.3 Minimum dikte van fondamentmure: Minimum dikte van muur (mm) As stutmuur Nie as stutmuur nie Tipe fondamentmuur Verskil in grondvlak Hoogte Minder 500 750 Minder 300 500 1 000 as tot tot as tot tot tot 750 1 000 500 1 000 500 mm mm 300 mm mm 1 500 mm mm mm B u i t e t o t 140 190 220 140 140 140 190 Enkel steen binne 190 220 90 140 140 190 Enkel holblok Buit e t o t 140 190 220 140 140 140 190 (holtes gevul met buite 140 190 220 90 140 140 190 beton) Spoumure (holte gevul tot 150 mm Buite 190 190 220 190 190 190 190 onder vog weringslaagvlak) 3.5 Opvulling 3.5.1 Die opvulling onder die betonbeddingslaag moet saamgestel word van grond, sand of ander aanvaarbare materiaal sonder klei en organiese materiaal, goed natgemaak en vasgestamp in lae van nie minder nie as 150 mm, en bedek deur ten minste 100 mm kern. 3.5.2 Betonbeddingslae Betonbeddingslae moet: (i) 'n minimum dikte van 75 mm wees. Waar die opvulling 'n hoogte van een meter oorskry, moet die beddingslaag voldoende gewapen word. Alle betonoppervlakke moet gekap, deeglik gewas, skoon gemaak en met sementbry bedek word onmiddellik voordat gidspleister gelê word. (ii) moet die betonmengsel aangemaak word soos beskryf in paragraaf 3.3. 3.6 Termiete Waar daar tekens van termiete is, moet die grond vergiftig word met 'n goedgekeurde grondvergiftigingsmateriaal. 'n Klaringsertifikaat moet deur 'n geregistreerde plaagbestrydingsmaatskappy ingedien word. 3.7 Vogweringslaag 3.7.1 Onder mure en vensterbanke (i) Vogwering moet onder alle mure op 'n minimum hoogte van 150 mm bokant die grondvlak geplaas word en moet voldoen aan SABS 248 (bitumen vogweringslae) of Klas B van SABS 952 (poliëtileenblad vir waterdigting van struktuur 375 mikron verhewe) of SABS 298 (steenlym asfalt waterdigting) of ander goedgekeurde materiaal. (ii) Die vogweringslaag moet tot die volle breedte gelê word onder mure en muurplate vir hangvloere sonder lengtelaste. Die oorhang by die ente, hoeke en laste moet 'n minimum van 150 mm wees. (iii) Vogwering wat onder vensterbanke gelê word moet afgewerk word binne die dikte van die muur en onder die eerste volle laag van steenwerk. Die vogweringslaag moet nie direk onder die vensterbankbedmateriaal gelê word nie. 3.7.2 Onder beddingslae (i) 'n Vogweringsmembraan SABS 952 Tipe C, gladde oppervlak, 250 mikron dik, moet gelê word in klam areas waar 'n hoë watertafel aanwesig is of waar die bank dit nodig ag. (ii) Die blaaie moet in die wydste praktiese wydtes gelê word ten einde laste te verminder en moet teruggevou word in die vogweringslae in die mure. Enige laste moet geseël word met druksensitiewe band wat aangewend moet word oor die hooflas. 3.7.3 Kante van tenks (i) Vogwering van horisontale en vertikale tenks, tensy anders bepaal, moet in ooreenstemming met SABS Praktykskode 021 wees, of waterdig gemaak met EVA poliëtileen SABS Spesifikasie 952, Tipe C, gladde
oppervlak, 1 000 of 500 mikron, soos gespesifiseer. (ii) Alle laste aan plaatbekleding moet gelas word met 'n spesiaal geformuleerde lasstrook om 'n ten volle waterdige seël te vorm, streng ooreenkomstig die vervaardiger se spesifikasies. 3.7.4 Houtraammure (i) In enige houtraammuur moet 'n vogweringslaag geïnstalleer word tussen die onderste plaat van die muur en die fondamentmuur of betonvloerblaaie. (ii) Die vogweringslaag, 375 mm mikron dik, moet oor die volle dikte van elke muur strek. 4 Steenmesselwerk 4.1 Stene Kleistene moet onbeskadig, hard, goed gebak en aanvaarbaar wees vir die bank en in ooreenstemming met SABS 227. Kalkstene moet voldoen aan Sand SABS 285 (kalsiumsilikaat steenmesselwerkeenhede). Sementstene moet voldoen aan SABS 987 (sementstene). 4.2 Blokke Holstene moet voldoen aan SABS 559 (hol kleiboublokke) en betonblokke aan SABS 527 (betonboublokke). 4.3 Dagha Dagha moet as volg saamgestel word (per volume gemeet): Sementdagha 6 dele skoon sand Kompodagha 1 deel sement 1 deel sement (1 pak = 50 kg) 1 deel kalk (SABS 523) (1 pak = 25 kg) Nie meer nie as 10 dele sand Daghamengsel vir gebruik met sementblokke en stene moet in ooreenstemming met die vervaardiger se aanbevelings gemeng word. Let wel: Spesiale daghamengsels anders as dié hierbo genoem, wat bevredigend bewys is, is aanvaarbaar maar toestemming vir die gebruik daarvan moet vooraf verkry word. 4.4 Vrystaande mure/grensmure 4.4.1 Die hoogte, dikte en steunpilaar grootte vir enige vrystaande muur moet voldoen aan die relevante waardes getoon in die tabel hieronder en waar steunpilare aangedui word moet hulle ewe ver aan beide kante van sodanige mure uitsteek. 4.4.2 'n Vogweringslaag word nie in enige vrystaande muur ingevoeg nie. 4 . 4 . 3 W a a r v o g v a n g r o n d w a t e r w a a r s k y n l i k t e ë g e k o m s a l w o r d , m o e t h o ë d i g t h e i d s t e n e m e t ' n waterabsorbering wat nie 6% oorskry nie, gebruik word in enige vrystaande muur tot op 'n hoogte van 150 mm bokant grondvlak. 4.4.4 Vrystaande/grensmure: Nominale Maksimum toelaatbare hoogte Steunpilare bo afgewerkte grond (m) muurdikte (mm) Sonder Met steunpilare Minimum Maksimum afmetings spasiëring 90 steunpilare (m) (m) (middelpunt tot 110 (mm) middelpunt) 140 190 (m) 230 290 0,8 1,2 290 x 290 1,9 1,0 1,5 350 x 350 2,1 1,3 1,8 340 x 340 2,5 340 1,5 2,2 390 x 390 3,7 1,8 2,4 470 x 470 4,2 2,2 2,6 490 x 490 5,2 _________ ____________ 2,4 4.5 Steenwerk/Blokwerk 4 . 5 . 1 A l l e m e s s e l s t e e n w e r k m o e t r e g o p , w a t e r p a s , r e g u i t e n h a a k s w e e s , k o r r e k v e r b i n d e n m o e t e e n v o r m i g opgaan met geen deel wat meer as 1,2 m hoër is as enige ander deel van die werk nie; die steenwerk moet teruggeskraap word sodat dit korrek met verdere bouwerk kan verbind. Blokverbinding of tanding van die steenwerk word nie toegelaat nie. 4.5.2 Stene van verskillende samestellings mag nie gemeng en in dieselfde muur ingebou word nie.
4.5.3 Alle uitsettingslaste in steenwerk moet voorsien word van 'n goedgekeurde bitumendeurdrenkte sagtebord, \"compribond\", polisulfied verseëlaar of 'n uitsetbare poliëtileen strook. 4.5.4 Buitemure moet met balke gevul word tot die onderkant van die dakbedekking. 4.5.5 Steengewelmure bokant dakplaatvlak moet nie minder nie as 140 mm dik wees. (Let wel: Waar konstruksie van die beskrywing hierbo verskil, moet spesiale toestemming van die bank verkry word.) 4.6 Skoorstene 4.6.1 Die hoogte van enige skoorsteenuitlaat mag nie minder nie as een meter bokant die hoogste punt van aanraking tussen die skoorsteen en die dak wees. 4.6.2 Waar die hoeke van die hellings van die dak minder as 10 grade en die skoorsteen nie meer nie as 600 mm van die lyn van die rif af is, moet die hoogte van die skoorsteen nie minder nie as 600 mm bokant die lyn van die rif wees. 4.7 Leunmure 4.7.1 'n Leunmuur moet nie minder nie as 190 mm of 1/6de van sy hoogte dik wees, welke ookal die grootste is. 4.7.2 A l l e l e u n m u r e m o e t g e s e ë l w o r d t e e n v o g i n d r i n g i n g m e t ' n g o e d g e k e u r d e b e d e k k i n g o f vogweringsmembraan van 375 mikron dik wat onder die laaste laag van steenwerk gelê moet word 4.7.3 Leunmure mag nie minder nie as 300 mm bokant die dakbekleding wees nie. 4.8 Keermure van steenmesselwerk 4.8.1 Waar enige keermuur hoër is as 1,5 m moet die muur deur 'n struktuuringenieur ontwerp word. 4 . 8 . 2 Daar moet voorsiening gemaak word vir ondergrondse dreinering agter sodanige muur tesame met voldoende drupgate ten einde die opdamming van water agter die muur te voorkom. 4.8.3 Geen horisontale vogweringslaag van plaatmateriaal moet in enige sodanige keermuur gebruik word nie. 4.9 Toelaatbare afmetings vir houtraammure Tipe Spyker Spasies Maksimum Maksimum Maksimum muur grootte tussen paneellengte hoogte vloerhoogte spykers (mm) (m) 114 x 38 Struktureel 114 x 38 Ondersteun Slegs aan Nie 76 x 38 114 x 38 aan beide een kant struktureel 76 x 38 kante ondersteun (mm) (m) (m) (m) (m) 400 4,8 2,4 6,0 4,0 600 4,0 2,0 6,0 3,0 450 3,6 1,8 3,0 3,0 600 4,8 3,0 4,0 600 4,2 2,4 3,0 4.9.1 Enige eksterne steenmesselwerk bedekking of invullingspaneel in 'n raamgebou moet sekuur aan die struktuur geanker word. 4.9.2 Waar die area van vensteropening in sodanige paneel meer as 25% van die aansigarea beslaan, moet die paneel geanker word aan die struktuur op so 'n wyse dat dit sal toelaat vir relatiewe vertikale beweging maar die muur van laterale beweging sal weerhou. 4.9.3 Sodanige bekleding moet ondersteun word op toepaslike balke, blaaie of punte op elke vlak en voldoende voorsiening moet gemaak word vir relatiewe vertikale beweging tussen die messelsteenwerk en die struktuurraam aan die onderkante van sodanige stutte. 4.9.4 Bewegingslaste moet voorsien word in sodanige bekleding op intervalle van nie meer nie as 10 meter om voorsiening te maak vir relatiewe horisontale beweging. 4.10 Voorsiening vir dakverankering 4.10.1 I n d i e g e v a l v a n ' n g e b o u v a n h o u t r a a m k o n s t r u k s i e , m o e t v o o r s i e n i n g g e m a a k w o r d v i r d i e s e k u r e vashegting van enige houtdakkap, spar of balk aan die muur op die wyse beskryf in SABS 082. 4 . 1 0 . 2 I n d i e g e v a l v a n ' n m u u r w a t o p g e r i g w o r d v a n m e s s e l s t e e n w e r k e e n h e d e v a n b e t o n , m o e t ' n gegalvaniseerde staalband of draad in die muur op paslike posisies vir die vashegting van enige houtdakkap of balk aan sodanige muur voorsien word. 4.10.3 Sodanige band of draad moet in die muur vir 'n diepte van ten minste 300 mm strek in geval van 'n swaar dak (beton of kleiteëls of leidak), of ten minste 600 mm in die geval van 'n beplate dak. In gevalle waar die diepte
van die steenmesselwerk of in situ beton minder as 300 of 600 mm onderskeidelik dik is, moet sodanige band of draad so ver as moontlik in sodanige messelsteenwerk of beton strek. 4.10.4 Die grootte van sodanige band moet nie minder wees nie as 30 mm wyd en 1,2 mm dik of sodanige draad moet nie bestaan uit minder as twee stringe van 4mm in omtrek nie. 4.11 Lateie 4.11.1 Alle spanwydtes van steenmesselwerk oor vensters, deure en openinge groter as 2 meter moet gesteun word deur 'n voorgespanne latei of of steenmesselwerk lateie soos ontwerp deur 'n struktuuringenieur. 4.11.2 Lateie moet dragedeeltes van nie minder nie as 225 mm op mure aan die punte hê. 4.12 Gewapende steenlateie 4.12.1 Gewapende steenlateie moet gebou word van onbeskadigde masjiengemaakte stene in 3:1 verhouding sement dagha, met all vertikale en horisontale laste solied gevul met dagha dwarsdeur die vereiste aantal lae en tot 'n afstand van ten minste 330 mm aan elke kant van die opening. 4.12.2 Die aantal lae oor lateie in die verskillende groottes opening moet wees soos gespesifiseer in die tabel hieronder, en bewapende staaldrade of stawe moet in die eerste horisontale las oor die onderste laag ingebou word soos hieronder bepaal. 4.12.3 Gewapende steenlatei Oop of daglig wydte Aantal lae Bewapening Nie groter nie as 1 m 4 Meer as 1 m tot 1,5 m 6 Een ry van 74 mm wye Meer as 1,5 m tot 2 m 7 steenbewapening soos beskryf hieronder vir elke halfsteenwydte binnewelwing Een ry van 74 mm wye steenbewapening soos beskryf hieronder vir elke halfsteenwydte binnewelwing Drie 6,3 mm omtrek sagte staal stawe vir elke halfsteenwydte binnewelwing 4.12.4 Steen bewapening moet gemaak word van getrokke sagte staal bestaande uit twee 3,15 mm omtrek hoofdrade 75 mm van mekaar en 2,8 mm omtrek kruisdrade nie meer nie as 300 mm van mekaar wat aan die hoofdrade vasgesweis is. 4.12.5 Die gewapende drade en stawe moet in lengte ten minste gelyk wees aan die wydte van die opening plus 330 mm op elke punt. Die bewapening moet ewe ver van mekaar in die steenlas wees, en die buitenste drade of stawe moet ten minste 20 mm bedekking hê van die aansig van die steenwerk. 4.13 Steps 4.13.1 Trappies moet van steen of beton wees soos gespesifiseer in paragraaf 3.1 met 'n granolitiese of ander aanvaarbare afwerking, en gebou op 'n geskikte fondament. 4.13.2 Stygstukke moet eenvormig wees en moet nie 200 mm oorskry nie. 4.13.3 Loopvlakke moet nie minder nie as 250 mm wees en moet afgewerk word met 'n glyvrye oppervlak. 4.13.4 Handreëlings moet 850 mm vertikaal van die bopunt van die loopvlak wees. 4.14 Beddingslae 4.14.1 Die beton wat gebruik word vir enige ongewapende betonblad moet 'n saamgeperste sterkte hê van nie minder nie as 10 MPA teen 28 dae of gemeng word in die verhouding per volume van: 1 deel sement 4 dele sand; en 5 dele growwe aggregaat en die dikte van sodanige blad moet nie minder wees nie as 75 mm. 4.15 Deure en vensters 4.15.1 Deure en vensterrame moet van 'n goedgekeurde tipe fabrikaat wees. 4.15.2 Waar nodig moet staaldeure en rame wat binne 'n 20 kilometer radius van die kus gebruik word vervaardig word van warmgedompelde galvanisering in ooreenstemming met SABS 763. 4.15.3 Alle staal deur en vensterrame moet gepas word met ten minste drie hingsels aan elke kant van die raam, wat in die muur ingebou moet word. 4.15.4 Alle hout deur en vensterrame moet 1,6 mm dik gegalvaniseerde hoepelyster kramme 32 mm wyd met
ente wat 50 mm teruggedraai is teen style van rame en elk twee keer aan die raam geskroef en 450 mm in die mure ingebou. Die kramme moet nie meer as 0,85 mm ver van mekaar op enige raam gespasieer word nie. 4.15.5 Verbindingsdeure tussen die motorhuis en huis moet brandbestand wees in ooreenstemming met vereistes van die plaaslike owerheid. 5 Timmerwerk en skrynwerk 5.1 Strukturele houtwerk Alle houtwerk moet voldoen aan en die SABS merke 563, 653, 876, 1089 en./of 1245 dra, en waar vereis deur regulasies, behandel word teen houtpesinfestasie. Waar nodig, moet alle houtwerk wat aan steen of klip raak behandel word in ooreenstemming met SABS 05. 5.2 Dakwerk 5.2.1 Alle laste van dakkappe wat op die perseel gemaak word, behalwe vir ligte dakbedekkings, moet met vier 90 x 4 mm spykers aan mekaar vasgesit word en aanmekaar geskroef word met 10 mm skroewe. Alle spykers moet ten minste 25 mm ver uitsteek en moet stewig vasgeklink word. 5.2.2 Houtwerk van kleiner afmetings as hierbo gespesifiseer is aanvaarbaar in die vorm van voorafvervaardigde dakstoele ontwerp en gemaak deur spesialismaatskappye. The strukturele stabiliteit van die dak moet gewaarborg word deur 'n waarborg van sodanige maatskappy. 5.2.3 Hoeksparre moet nie minder nie as 228 x 38 mm wees ten einde 'n halwe hoofspar te vorm. Alle stutdele moet ten minste 38 x 114 mm Graad 4 materiaal wees. Dakbinte moet gebruik word vir leidakke of teëldakke. 5.2.4 Dakkonstruksie moet voldoende kruisstutte hê wat teen 'n goedgekeurde hoek in ooreenstemming met goeie boupraktyke. 5.2.5 Dakkappe moet nie gestut word op interne nievragdraende mure nie. Let wel: i Vooraf goedkeuring moet by die bank verkry word vir enige ander metode van dakkonstruksie. ii Geen dakbedekking mag in die mure ingebou word nie. 5 Dakwerkspesifikasies Klas van Tipe Deel Grootte Mask(pmsaim)n umdMaiknhimelulimng Minimum Maksimum dak dakbe van van oorhang Sddparvkaavrskeaaianëngprdpienegh/Meggi(rnlvmoaiamotmn/tut)kemaplhaMest gpalakavsstiai/ëmnkriuanpmglat dekking dakkap hout van dak (geseël) balke (mm) (mm) Klas B Asbes riffel Dak 38 × 114 3,1 11. 200 1,00 m 76 × 50 mm 1,40 m Medium dakplate balke 38 × 152 4,0 15. 175 middel geheg op middelpunte 38 × 228 6,1 17. 150 kant gewig Bind 38 × 114 3,1 punte balke 38 × 152 4,5 38 × 228 7,1 22. 150 Dak 6,0 26. 150 parre 38 × 114 8,2 Klas B Asbes, 38 × 152 10,0 17. 26. 0,800 m Soos per Medium leidak, 38 × 228 met middel teëls en 4,7 60 38 × 38 mm vervaardiger gewig dakspane 5,9 onderstut punte se 7,2 26. & 0,950 m spesifikasies groter middel Bind 38 × 114 6,0 sonder 38 × 51 mm balke 38 × 152 8,2 onderstut punte 10,0 38 × 228 1,100 m 51 × 51 mm 4,7 middel 38 × 114 5,9 17. 26. Soos per 38 × 38 mm Soos per 38 × 152 7,2 met vervaardiger punte SwKlaaasr gAewBigetonteëls Dak 38 × 228 se instruksies 0,760 m SA den vervaardiger sparre 6,2 onderstut middel 8,0 26. & OF se 10,0 punte 1,00 m 32 × 32 mm spesifikasies middel saligna punte Bind 38 × 114 groter 30 × 50 mm balke 38 × 152 sonder 1,35 m 38 × 228 onderstut middel SA fine punte vasgeheg op kant 11. 15. = 0,80 Gegalvani Dak 38 × 114 5. 11. 250 75 × 50 mm 15. 20. = Klas C seerde sparre 38 × 152 11. 15. 150 vasgeheg 1,00 Liggewig riffelyster 38 × 228 15. 17. 150 op kant 17. 22. 150 20. 25. = 0,60 mm 1,00 25. 30. =
1,00 Bind 38 × 114 4,5 11. 15. Ongeseël 30. & balke 38 × 152 5,9 15. 17. 250 groter = 1,00 38 × 228 8,7 17. 22. 225 200 Klas C Metaalteëls Dak 38 × 114 6,2 10. 15. N/A 1,050 m 38 x 38 mm Soos per Liggewig sparre 38 × 152 8,0 Met middel SA den vervaardiger 38 × 228 10,0 OF se onderstut punte 4,5 15. & 32 x 32 mm spesifikasies 5,9 Bind 38 × 114 8,7 groter balkie 38 × 152 38 × 228 sonder saligna onderstut 300 mm slegs 1,00 m 50 mm rib Klas C Geribte Dra 38 × 228 4,0 Tot 5. toelaatbaar middel 76 x 50 mm Tot 5. = 1,20 Liggewig trog balke 50 × 228 5,0 76 × 228 6,0 (50 mm indien punte vasgeheg 5. 15. 1,40 metaalplate rib) vollengte sonder op kant 15. & groter = plate nie boonste 1,80 5. 15. vervaardig teël 36 mm rib (36 mm word om die 0,700 m tot 5. = 120 grootte te pas middel 5. 15. 1,1 rib) punte met 15. & groter = nie boonste 1,2 15. & 28 mm rib groter tot 5. = 0,90 (28 mm teël 5. 15. 1,00 15. & groter = rib) 1,10 SwKlaaasr gAewigLeidak Dak 38 × 114 3,1 20. 45. 75 mm 0,600 m 38 × 38 mm 140 mm sparre 38 × 152 4,0 met massa middelpunte 38 × 228 6,1 leidak onderstut per m2 = 69 kg 0,700 m Bind 38 × 114 3,1 massa 190 mm balke 38 × 152 4,5 middelpunte 38 × 228 7,1 leidak 38 × 38 mm per m2 = 40 kg 75 100 Onderste drie by Klas B Dak 0,700 m 20 40 mm rye teen 150 Medium sparre boonste middelpunte omtrek Gras punt 7,0 30. 300 mm dik mm gewig 4th boonste drie rye 100 125 teen 270 mm Bind by 7,5 to 9,0 45. 150 mm dik Boonste drie balke boonste rye teen 150 punt mm V a s h e g t i n g v a n d a k b e d e k k i n g V a s h e g t i n g v a n a l l e d a k b e d e k k i n g s m o e t s t r e n g o o r e e n k o m s t i g m e t d i e vervaardiger se spesifikasies en SABS kodes van praktyk geskied. Klas B medium gewig: Asbesgeriffelde plate Vashegting moet geskied met roesbestande skroewe, selfgroef of masjiengroef tipe skroewe met goedgekeurde tipe wassers. Gate vir skroewe moet geboor word 2 mm groter as die skroewe en moet nie ingeslaan word nie. In kusgebiede mag dit nodig wees om die helling van die dak met 50 te vermeerder volgens die diskresie van die bank. Klas B medium gewig: Asbesdakleie, teëls en dakspane Dakleie moet gelê word in 'n trapsgewyse patroon met twee 40 mm gegalvaniseerde of koper grootkopspykers. Klas A swaargewig: Betonteëls Tensy andersins gespesifiseer, moet elke derde teël in elke laag en alle teëls wat oop oorhange en geweldakrande vasgeheg word met stormklemme ooreenkomstig die vervaardiger se spesifikasies. Klas C liggewig: Gegalvaniseerde geriffelde yster Vashegting moet geskied met roesbestande skroewe, self groef of masjiengroef tipe skroewe met goedgekeurde tipe wassers. Dakplate moet vasgeheg word met 'n sydelingse oorhang van ½ dakplaat. In kusgebiede mag dit nodig wees om die helling van die dak te vermeerder volgens die goeddunke van die bank. Nokdekking mag nie minder as 450 mm wyd wees nie en moet dieselfde dikte wees as die dakplate. Klas C liggewig: Metaalteëls Alle teëls moet vasgeheg word met twee roesbestaande spykers. Teëls op oop oorhange, gewels en geute moet met meer spykers vasgeheg word. Klas C liggewig: Geribte trog metaalplate Vashegting moet geskied met roesbestande skroewe van 90 mm met no 14 koolstofstaal tipe heksagonale koppe. Alle sy en kantoorhange moet geseël word met seëlstrook en vasgeheg word met 25 mm x no 14 selftapskroef. Alle gate vir vashegting moet geboor en nie ingeslaan word nie. Alle dakke moet op die spits geseël word met poli en metaalafsluitings. Die gleuf van die plate moet op die spits of parapets opgedraai word en teruggedraai word in die geute ten einde 'n drup te vorm (spesial gereedskapstuk vir buiging). Alle dakhoutwerk moet geseël word teen die weer met 'n roesbestande geutlap langs die dele van die fassieborde en versteekte geute ens.
Klas A swaargewig: Leidak Leidakbedekking moet vasgeheg word in \"gebroke band\" patroon en met dubbel anti roes spykers vasgeheg word. 'n Drie of vyflaag aluminiumaansig malthoid bladmetaal moet onder die heglatte geplaas word. Leidakspane moet voldoen aan SABS 995. K l a s B m e d i u m g e w i g : G r a s D e k g r a s m o e t v a s g e h e g w o r d a a n d i e h e g l a t t e m e t t e e r d e u r d r e n k t e t o u . Daksparlaste moet paslik vasgebind of vasgeskroef word aan die buitemure. Alle pale moet behandel word teen houtboorder, kewers en termiete soos beskryf in SABS Kode 05. Voorsiening moet gemaak word vir geskikte weerligafleiers soos beskryf in SABS Kode 03. 5.3 Vloere 5.3.1 Alle vloere moet vasgeheg word in ooreenstemming met gesonde boupraktyke. 5.3.2 Alle ondervloerse houtwerk moet behandel word met 'n verduursamingsmiddel om infestasie met insekte en peste te voorkom. 5.3.3 Geskikte kruisventilasie moet ook voorsien word. 5.3.4 V l o e r b e d e k k i n g s m o e t s t r e n g o o r e e n k o m s t i g d i e v e r v a a r d i g e r s e s p e s i k f i k a s i e s g e l ê w o r d e n S A B S praktykskodes. 5.3.5 Boonste vloere (i) Vloerbalke met spanwydtes van tot 3 meter moet 228 x 38 mm groot wees en spanwydtes groter as 3 meter moet deur 'n ingenieur ontwerp word. (ii) Vloerbalke moet nie verder as 450 mm van mekaar af wees nie en sparre moet waar nodig, voorsien word. Alle vloere bo grondvlak moet aanvaarbare vir klank geïnsuleer word. 5.4 Plafonne Goedgekeurde materiaal moet vir plafonne gebruik word en dit moet op 'n aanvaarbare wyse vasgeheg word. Waar van toepassing, moet gewellyste van geskikte materiaal wees en netjies in lang lengtes vasgeheg word. Ten minste een valdeur van 'n minimum grootte van 600 mm x 600 mm moet voorsien word en plafonhoogtes moet voldoen aan die Nasionale Bouregulasies. 5.5 Ysterwerk Alle deure, swaairmae, boligte, ens moet met geskikte skarniere, slotte en toebehore vasgeheg word, waar van toepassing. Ysterwerk wat aan die weer blootgestel is, moet roesbestand wees. 6 Pleisteraar en muurteëlaar 6.1 Sand Die sand moet vry van leem en organiese materiaal wees. 6.2 Sement Die sement moet voldoen aan SABS 471. 6.3 Kalk Kalk vir onderlae moet Tipe A2 of A2P of SABS 523 wees en fynpleister moet Tipe A1P wees. 6.4 Eksterne pleister Eksterne pleister moet gemeng word met 5 dele sand en een deel sement. Alle muuroppervlakke moet skoongemaak en natgemaak word, soos benodig. Pleister moet eenvormig ongeveer 12 mm dik wees. 6.5 Interne pleisterwerk 6.5.1 Interne pleister moet eenvormig ongeveer 12 mm dik wees en sal gepleister word tot 'n aanvaarbare afwerking en sal saamgestel word van ses dele sand en een deel sement. 6.5.2 Wanneer kalk gebruik word moet die pleister in die volgende verhouding per volume gemeng word: Sand Kalk Sement 15 20 4 0 3 1 2 2 1 3 6.6 Vloergidspleister 6.6.1 Gidspleister moet gemeng word van een deel sement tot drie dele growwe sand en moet nie minder nie as 20 mm dik wees. 6.6.2 Die gidspleister moet haaks en waterpas gelê word en tot bevrediging van die subkontrakteurs wat die
onderskeie afwerkings moet lê. 6.6.3 A l l e o p p e r v l a k k e m o e t d e e g l i k s k o o n g e m a a k w o r d m e t ' n s t a a l b o r s e l e n ' n s e m e n t b r y v u l l i n g m o e t aangewend word voordat die grano gelê word. 6.7 Geglasuurde teëls 6.7.1 Geglasuurde muurteëls moet van 'n aanvaarbare kwaliteit wees en moet voldoen aan die vereistes van SABS Spesifikasie 22, en moet vasgeheg word met 'n daghamengsel van 4:1 of 'n aanvaarbare kleefstof, soos beskryf in SABS Kode 010769. 6.7.2 Geglasuurde vloerteëls moet vasgeheg word streng ooreenkomstig die vervaardiger se spesifikasies. 7 Loodgieter 7.1 Geute en afvoerpype 7.1.1 Geute, afvoerpype en reënwaterpype moet voldoen aan SABS spesifikasies en moet vasgeheg word in ooreenstemming met die vervaardiger se spesifikasies. 7.1.2 Alle reënwater moet van die mure weggevoer word verby die voglaagvlak in ooreenstemming met die vereistes van die plaaslike owerheid. 7.1.3 Waar geute nie aangeheg word nie, moet 'n betonblad reg rondom die gebou gelê word ten einde water van die geboue weg te lei. 7.1.4 Kiele, geute en onderlood sal van goedgekeurde materiaal, grootte en ontwerp wees en mot vasgeheg word in ooreenstemming met SABS spesifikasies. 7.2 Geutlappe Geutlappe moet van goedgekeurde en duursame materiaal vervaardig word en moet vasgeheg word in ooreenstemming met die vervaardiger se spesifikasies. 7.3 Watertoevoer 7.3.1 Die watertoevoer moet voldoen aan die vereistes van die plaaslike owerheid. 7.3.2 Ten minste een pyp sal opgerig word in 'n geskikte posisie en alle materiaal en toebehore moet voldoen aan SABS Spesifikasie 509. 7.3.3 Waar water nie beskikbaar is van die plaaslike owerheid nie, moet water wat van 'n boorgat gebruik word vir huishoudelike doeleindes voldoen aan die nodige gesondheidsvereistes. 7.3.4 Boorgatwater vir huishoudelike gebruik moet 'n aanvaarbare opbrengs lewer. 'n Ondersteunende sertifikaat van die wateropbrengs moet ingedien word. 7.4 Dreinering 7.4.1 Alle rioleringswerk aan geboue moet uitgevoer word deur 'n geregistreerde loodgieter en dreine moet akkuraat tot die lyne en hellings getoon op die dreineringstekening soos goedgekeur deur die plaaslike owerheid gelê word. 7.4.2 Alle dreine moet getoets word in ooreenstemming met die vereistes van die plaaslike owerheid en aanvaar word voordat die eiendom geokkupeer mag word en die dreine in gebruik geneem mag word. 7.5 Stormwaterafvoering Stormwater moet weggevoer word van die geboue deur middel van voorafgegote betonstormwaterkanale, oppervlak of ondergrondse dreine, en moet voldoen aan die vereistes van die plaaslike owerheid. 7.6 Septiese en konserveringstenks Die grootte en ontwerp van septiese en konserveringstenks moet deur die plaaslike owerheid goedgekeur word. 7.7 Stapelriole, weekputte en dreineringsklaringsertifikate 7.7.1 Stapelriole en weekputte Stapelriole en weekputte moet in ooreenstemming met die vereistes van die plaaslike owerheid se regulasies gekonstrueer word. 7.7.2 Dreineringsklaringsertifikate Die bank mag versoek dat 'n dreineringsklaringsertifikaat gelewer word vir enige tipe drein. 8 Glaswerker 8.1 Glas
Alle glas moet vry van defekte wees en moet met stopverf ingeplaas word, en moet waar nodig vasgetik word en vasgeheg word in ooreenstemming met die vervaardiger se spesifikasies en die SABS praktykskode. Toelaatbare dikte en grootte van glasruite Minimum dikte Maksimum area 3 mm 0,75 m2 4 mm 1,5 m2 6 mm oor 3,5 m2 8.2 Veiligheidsglas Maksimum area Minimum dikte 1 m2 6 mm 8.2.1 Waar enige glasruit wat in 'n venster geïnstalleer is minder as 300 mm van die grondvlak af is en nie veiligheidsglas is nie, moet sodanige ruit deur 'n versperring beskerm word ten einde te voorkom dat mense in fisiese kontak daarmee kom. 8.2.2 W a a r e n i g e b a d i n s l u i t i n g o f s t o r t h o k k i e d e u r g l a s p a n e l e g e v o r m w o r d , m o e t s o d a n i g e p a n e l e v a n veiligheidsglas voorsien word. 8.2.3 Enige glas gebruik in enige winkelvenster en wat groter is as 1m2, moet van veiligheidsglas voorsien word. 8.2.4 Waar glas in enige muur of trapreling of opgang gebruik word en wat minder as 1.8 meter bo die hellingslyn van die trappe, die oppervlak van die opgang of trapportaal is, moet sodanige glas veiligheidsglas wees. 9 Verwer 9.1 Verf en vernis Alle verf, beits, vernis, lynsaadolie, kwaste, muurkalk en muurafwerkings moet van 'n goedgekeurde vervaardiger aangekoop word en moet presies soos voorsien en streng volgens die vervaardiger se instruksies en kragtens die SABS praktykskodes gebruik word. 10 Elektrisiën en gasinstallasie 1 0 . 1 Alle elektriese en gasinstallasies moet streng in ooreenstemming met die vereistes van die plaaslike owerheid of diensverskaffer uitgevoer word. 10.2 Die bank behou die reg voor om te vra vir 'n sertifikaat van die goedkeuring van die installasie. 11 Omheining van die perseel Die perseel moet met aanvaarbare materiaal omhein word, tensy andersins met die bank ooreengekom. 12 Skoonmaak van die perseel By voltooiing van die werk moet alle bourommel van die perseel verwyder word van en moet die perseel skoon gelaat word. Alle grondbanke van hoër as 1,2 meter moet teruggewerk word kragtens die SABS praktykskode en volgens goedkeuring van die bank. 13 Stormwater dreinering en beheer van sypelwater 13.1 Voldoende voorsorg moet getref word om oppervlak en sypelwater weg van die geboue af te dreineer. 13.2 Die nodige voorsorg moet ook getref word oorstromings en skade aan geboue te voorkom kragtens die vereistes van die plaaslike owerheid en die bank. 13.3 Die bank behou die reg voor om dreineringsplanne wat deur 'n ingenieur ontwerp is aan te vra en sodanige werk moet streng in ooreenstemming met die planne en spesifikasies van die plaaslike owerheid uitgevoer word. 14 Swembaddens 14.1 Die bank behou die reg voor om planne en spesifikasies van die swembad aan te vra voordat daar met konstruksie begin word. 14.2 Voldoende voorsorg moet getref word teen enige stormwaterskade aan elektriese pompe en oorstroming van swembaddens. 14.3 Die konstruksievereistes met betrekking tot omheinings en hekke moet aan die vereistes van SABS 1390 voldoen.
15 Die volgende bykomende werk moet uitgevoer word: (Voeg lys van bykomende werk wat uitgevoer moet word hier in.) ONDERNEMING ONS, (voeg name van ondertekenaars in), DIE ONDERGETEKENDES, ONDERNEEM TEENOOR DIE BANK DAT DIE WERK UITGEVOER SAL WORD IN OOREENSTEMMING MET DIE BOGENOEMDE MINIMUM VEREISTES SOWEL AS ENIGE BYKOMSTIGE VOORWAARDES EN VEREISTES WAT DEUR DIE BANK SE INSPEKTEURS VEREIS MAG WORD. ONS STEL DIE BANK SKADELOOS TEEN ALLE VERLIESE, EISE OF GEDINGE VAN WELKE AARD OOKAL WAT TEEN DIE BANK GEMAAK MAG WORD (OF DIT DEUR ONS, ONS BOEDEL OF ENIGE ANDER PERSOON INGESTEL WORD) WAT MAG SPRUIT UIT OF IN VERBAND STAAN MET DIE WERK WAT UITGEVOER MOET WORD OM DIE GEBOU OP TE RIG WAT GELEË IS TE: Erf/Perseel Nr Dorpsgebied Handtekening van eienaar Datum Handtekening van bouer Datum 'N AFSKRIF VAN HIERDIE DOKUMENT SAL DEUR DIE KLIËNT GEHOU WORD AS 'N KONTROLE OM TE VERSEKER DAT DIE WERK WAT UITGEVOER WORD DEUR DIE BOUER VOLDOEN AAN DIE VEREISTES VAN HIERDIE DOKUMENT. Voorbeeld 5 Aansoek om 'n kredietkaart Toon aan vir welke kaart wat tans deur die bank gebruik word aansoek gedoen word. Persoonlike besonderhede van aansoeker Verskaf die volgende persoonlike besonderhede van aansoeker: Volle name, identiteitsnommer, geslag, adres, nasionaliteit, huwelikstatus (binne of buite gemeenskap van goedere), aantal afhanklikes. B e s o n d e r h e d e a a n g a a n d e e g g e n o o t / e g g e n o t e V e r s k a f d i e v o l g e n d e b e s o n d e r h e d e a a n g a a n d e eggenoot/eggenote: Volle naam, identiteitsnommer, geboortedatum, indiensnemingsbesonderhede. Besonderhede aangaande indiensneming van aansoeker Vermeld die volgende besonderhede aangaande die aansoeker se werkstatus: Staan die aansoeker in diens, of is hy/sy werkloos of afgetree? Indien die aansoeker in diens is, vermeld die volgende: Naam en adres van werkgewer, werknemersnommer (indien enige), hoedanigheid en posvlak, hoe lank aansoeker in diens is by die huidige werkgewer. B e s o n d e r h e d e a a n g a a n d e f i n a n s i ë l e s t a n d V e r m e l d d i e v o l g e n d e b e s o n d e r h e d e : B a n k r e k e n i n g e , transaksiefinansiering, ander bankkaarte ens. Kredietwaardigheid Vermeld sodanige inligting as wat nodig is om die kredietwaardigheid van die aansoeker te bepaal. Bykomstige kaart Indien 'n bykomstige kaart verlang word, vermeld sodanige inligting aangaande die bykomstige gebruiker(s) as wat vereis word. Voorwaardes vir gebruik Ek/Ons, die ondergetekendes, (voeg naam of name van aansoeker(s) in) 1 verklaar hierby dat die inligting wat hierbo vermeld is korrek is; 2 erken hiermee dat ek/ons die voorwaardes vir gebruik gelees het, en dat hierdie voorwaardes die gebruik van die kaart sal beheer. GETEKEN te (plek) op (datum) in die teenwoordigheid van die ondergetekende getuies. GETUIES:
1 2 (Handtekening van aansoeker) (Handtekeninge van getuies) Voorwaardes 1 Die kaart sal geldig wees vanaf die aanvangsdatum aangedui op die kaart tot die laaste dag van die maand van die vervaldatum wat daarop aangedui word, onderworpe daaraan dat die kaart deur die kaarthouer geteken is in die spasie wat daarvoor voorsien is. 2 Die kaart mag slegs deur die kaarthouer aan wie dit uitgereik is gebruik word en is nie oordraagbaar nie. 3 Die kaarthouer moet 'n ontvangsbewys onderteken elke keer wanneer die kaart gebruik word om geld te verkry (tensy die geld by 'n geldoutomaat getrek word) of om goedere of dienste aan te koop. 4 Indien 'n aankoop gemaak word of 'n diens verkry word deur middel van 'n elektroniese fonds oordragseenheid, moet 'n verkoopsbewys eweneens onderteken word tensy die verskaffer van die goedere of dienste uitdruklik van die ondertekening van 'n aankoopbewysstrokie afstand doen. 5 Versuim om 'n skriftelike magtiging te teken wanneer kontant, goedere of dienste verkry word, skeld die kaarthouer nie vry van verantwoordelikheid indien die bank 'n betaling maak aan die verskaffer van sodanige kontant, goedere of dienste nie. 6 Die bank onderneem om namens die kaarthouer die koopprys van goedere of dienste of 'n kontantvoorskot te betaal wat aan die kaarthouer verskaf word deur 'n verskaffer in die bedrag wat aangedui word op die aankoopbewysstrokie of, indien 'n elektronies fondsoordrageenheid gebruik is, die bedrag van die transaksie wat gemagtig is en na die rekening van die verskaffer oorgedra is. Die bank sal die kaartrekening van die kaarthouer debiteer met elke sodanige transaksie. 7 Geen aanspreeklikheid van welke aard ook al of wat uit enige oorsaak vloei sal aan die bank toekom as gevolg van die koop of gebruik van die kaart deur die kaarthouer wanneer enige transaksie met 'n verskaffer aangegaan word. 8 Die bank onderneem om die rekening van die verskaffer te krediteer in ooreenstemming met die opdrag vervat op die aankoopbewysstrokie. 9 Die kaart is en bly die eiendom van die bank. Die bank sal te enige tyd darop geregtig wees om te vereis dat die kaart aan hulle teruggegee word en mag vanaf die tyd waarop hulle teruggawe eis van die kaart weier om enige betaling te maak van enige skuld aangegaan terwyl die kaart gebruik is. Sodanige vereiste sal geag word geldig te wees indien dit mondelings aan die kaarthouer gerig is, of indien dit gedoen word deur 'n geregistreerde brief te pos wat aan die adres van die kaarthouer soos hierbo verskaf, te rig. 10 Indien die bank sou besluit om die kaart te kanselleer, sal die bank daarop geregtig wees om alle skulde wat aangegaan is deur die gebruik van die kaart te konsolideer, en sal daarop geregtig wees om al sodanige skulde as verskuldig en betaalbaar te beskou. Die bank sal daarop geregtig wees om die skuld na enige rekening van die kaarthouer na sy keuse oor te dra. 11 Die bank sal daarop geregtig wees om alle verskaffers daarvan in kennis te stel dat die kaart gekanselleer is, en dat die bank nie langer sy reg sal uitoefen om die skuld wat deur die kaarthouer aangegaan is in ooreenstemming met die aankoopbewysstrokies wat aan die bank voorgelê word, te betaal nie. 1 2 Die kaarthouer mag nie die kaart gebruik om geld of krediet te verkry wat die bedrag oorskry waarop daar ooreengekom is. 1 3 Die kaart mag sonder kennisgewing aan die kaarthouer gekanselleer word indien enige van die volgende gebeure plaasvind: 13.1 die dood van die kaarthouer; 13.2 die sekwestrasie of likwidasie van die kaarthouer; 13.3 misbruik van die kaart en die kredietfasiliteit deur die kaarthouer. In sodanige geval sal die totale uitstaande bedrag verskuldig en betaalbaar wees aan die bank sonder verdere kennisgewing. 14 Die kaarthouer sal maandelikse betalings aan die bank maak in ooreenstemming met die bedrag aangedui op die rekeningstaat, en op die datum aangedui op die rekeningstaat. Daar sal rente gehef word op enige uitstaande bedrag teen die koers waarop daar ooreengekom is, of, indien daar nie sodanig ooreengekom is nie, teen die maksimum rentekoers wat regtens toelaatbaar is. 1 5 Die kaarthouer sal daarop geregtig wees om rente te ontvang op alle batige saldo's vir die tydperk wat die rekening 'n batige saldo het teen die koers wat tans betaal word deur die bank op rekeninge van 'n soortgelyke aard. 1 6 Die gebruik van die kaart buite die SuidAfrikaanse monetêre area word beheer deur die valutabeheer regulasies wat van tyd tot tyd deur die Reserwe Bank gepubliseer word.
17 Indien die bank hom tot die hof moet wend om enige bedrag verskuldig deur die kaarthouer in te samel, sal die bank daarop geregtig wees om alle uitgawes sowel as kostes op die prokureurenkliënt skaal van die kaarthouer te eis. Die bank sal daarop geregtig wees om enige verskuldigde bedrag op die kaartrekening van enige bedrag wat tot die krediet van die kaarthouer is in enige rekening van die kaarthouer wat deur die bank bedryf word. 18 Indien die kaart verlore raak, of indien die persoonlike identifikasienommer bekend raak aan enigiemand anders as die kaarthouer, moet die kaarthouer dadelik die bank skriftelik daarvan in kennis stel. Die kaarthouer sal in elk geval aanspreeklik wees vir die betalings wat die bank mag maak ten opsigte van enige transaksie aangegaan voor sodanige kennisgewing. Hierdie aanspreeklikheid van die kaarthouer kan vermy word indien die kaarthouer 'n lid is van die verlore kaart beskermingskema en die reëls van sodanige skema nagekom het. 1 9 Indien die kaarthouer van mening is dat hy/sy nie aanspreeklik is teenoor die bank vir die betaling van enige debiet wat op die kaartrekening aangebring is nie, sal hy/sy binne 30 dae na die datum van die rekening waarop die debiet verskyn, die saak na die bank verwys en sal andersins geag word aanspreeklikheid te aanvaar vir die rekeningstaat. 2 0 D i e b a n k s a l d a a r o p g e r e g t i g w e e s o m ' n j a a r l i k s e f o o i v a n d i e k a a r t h o u e r t e v e r h a a l o m b a n k k o s t e s t e d e k teen 'n bedrag wat van tyd tot tyd deur die bank vasgestel word, ten opsigte van elke kaart wat deur die bank aan die kaarthouer uitgereik is of elke transaksie wat aangegaan is deur die gebruik van sodanige kaart. Die fooi sal gedebiteer word teen die kaartrekening op 'n jaarlikse basis en elke transaksie wat bankkoste meebring, sal op 'n maandelikse basis gedebiteer word. 21 Die bank mag op versoek sekondêre gekoppelde kaart(e) uitreik en die kaarthouer stem ooreen dat alle skulde aangegaan op sodanige sekondêre kaart(e) teen sy kredietkaartrekening gedebiteer mag word en dat sodanige debiete nie op enige wyse die kredietooreenkoms tussen homself en die bank sal beïnvloed nie. Betaling van sodanige debiete en die toepaslike rentekoers sal in die diskresie van die bank geskied. 2 2 'n Sertifikaat geteken deur enige bestuurder, assistentbestuurder of rekenmeester van die bank wat die bedrag van die kaarthouer se verskuldigdheid teenoor die bank en die toepaslike rentekoers sertifiseer, sal prima facie bewys wees van die kaarthouer se verpligting en die rentekoers. 23 Die landdroshof wat jurisdiksie het oor die kaarthouer sal by ooreenkoms jurisdiksie hê kragtens artikel 45 van die Wet op Landdroshowe 32 van 1944, soos gewysig. 2 4 Die bank sal daarop geregtig wees om inligting in verband met die kaarthouer se kredietwaardigheid en die kaartrekening aan enige kredietburo volgens die oordeel van die bank, bekend te maak. Voorbeeld 6 Gesertifiseerde afskrif van resolusie E k / O n s , (voeg naam(name) in) , d i e o n d e r g e t e k e n d e ( s ) , s e r t i f i s e e r h i e r m e e d a t d i e v o l g e n d e r e s o l u s i e o p ' n behoorlik saamgestelde vergadering van die raad van direkteure (of lede of komitee van (naam van entiteit)) gehou te (plek) op (dag, maand, jaar) aangeneem is en dat dit behoorlik in die notuleboek aangeteken is: \"Resolusie: Dat 'n bankrekening vir (naam van entiteit) geopen word by (naam van bank) by die (naam van tak) tak en dat die bank hiermee gemagtig word en versoek word om alle tjeks, wissels, promesses of ander verhandelbare dokumente getrek, geteken, aanvaar of gemaak namens (naam van entiteit) te honoreer en om hierdie items teen die rekening wat by die bank deur die (naam van entiteit) gehou word te debiteer ongeag of sodanige rekening 'n batige saldo het al dan nie, om (naam van entiteit) aanspreeklik te hou vir alle tjeks, wissels, promesses en alle ooreenkomste, vrywaringe en dokumente in verband met alle banktransaksies met inbegrip van die deponering en onttrekking van geld uit vaste beleggingspaarrekeninge, met dien verstande dat al sodanige dokumente geteken is deur enige (voeg getal in) ondertekenaars van die (naam van entiteit) volgens kennisgewing aan die bank. Hierdie resolusie sal van krag bly totdat die bank in kennis gestel word dat die resolusie opgehef is.\" GETEKEN te (plek) op (datum) in die teenwoordigheid van die ondergetekende getuies. GETUIES: 1 2 (Handtekening van uitvoerende beampte) (Handtekeninge van getuies) Voorbeeld 7 Opdrag om betaling te staak Aan: Die Bestuurder (Voeg datum waarop opdrag gegee word hier in.) ABC Bank Date:
Ek/Ons, (voeg naam(name) in), die ondergetekendes, behoorlik daartoe gemagtig gee hiermee opdrag aan die bank om: 1 * betaling te staak; 2* 'n vorige opdrag om betaling te staak te verander; 3 * 'n vorige opdrag om betaling te staak te kanselleer. (*Skrap wat nie van toepassing is nie) Rekeningnommer: (Voeg rekeningnommer in) Tjek(s) nommer (voeg getal in) tot (voeg getal in) Wissel(s) nommer (voeg getal in) tot (voeg getal in) Promesse(s) nommer (voeg getal in) tot (voeg getal in) Datum van dokument: (Voeg datum in.) Begunstigde: (Voeg naam van begunstigde in.) Bedrag: (Voeg bedrag in.) Waarom word opdrag gegee om betaling te staak? (Voeg rede vir die opdrag hier in.) Is die dokument gesertifiseer deur die bank .......... of bank gewaarborg ...........* Vrywaring Ek/Ons, (voeg naam(name) in), vrywaar hiermee die bank teen enige eis van welke aard ookal wat spruit uit die opdrag in die geval dat die dokument bank gesertifiseer of bank gewaarborg is, en ek/ons sal geen eis teen die bank hê indien sodanige dokument deur die bank betaal word nie. GETEKEN te (plek) op (datum) in die teenwoordigheid van die ondergetekende getuies. GETUIES: (Handtekeninge van bankbeampte) (Handtekening van kliënt) (*Seëlreg ter waarde van R............... moet betaal word kragtens die Wet op Seëlreg indien die vrywaring gegee word.) Voorbeeld 8 Aansoek om 'n debietorder Aan: Die Bestuurder ABC Bank Ek, (voeg naam van aansoeker in), die ondergetekende, versoek hiermee die bank om die volgende debietorder in werking te stel (of om die bestaande debietorder te wysig of om 'n bestaande debietorder te kanselleer): Rekening wat gekrediteer moet word: (rekeningnommer van ontvanger en klaringskode) Rekening wat gedebiteer moet word: (rekeningnommer en klaringskode) Die bedrag en frekwensie van betaling sal bepaal word deur die houer van die kredietrekening; of Die bedrag en frekwensie van die betaling is as volg: Gereelde betaaldatum: (Voeg datum in) Bedrag: R................... (....................... RAND) Aantal betalings: (Voeg getal in) Weekliks Maandeinde Viermaandeliks Tweeweekliks Tweemaandeliks Elke ses maande Maandeliks Kwartaalliks aarliks Wysigings in debietorder opdragte waar die bedrag en frekwensie van betaling deur die krediteur bepaal word:
Persoonlike lenings: 1 Paaiement en agterstallige bedrae 2 Slegs paaiement Verbandlenings: 1 Paaiement en agterstallige bedrae 2 Verskuldigde bedrag 3 Slegs paaiement Kredietkaarte: 1 'n Vaste bedrag op die gereelde betaaldatum 2 Minimum bedrag betaalbaar soos per rekeningstaat 3 Volle bedrag betaalbaar soos per rekeningstaat 4 Volle bedrag uitstaande soos per rekeningstaat (Skrap wat nie van toepassing is nie) GETEKEN te (plek) op (datum) in die teenwoordigheid van die ondergetekende getuies. (Handtekening van kliënt) B Verhandelbare dokumente Voorbeeld 1 Promesse deur 'n enkele maker (Maker se adres) (Datum) Ek beloof om op aanvraag (of (meld) maande na datum of na sig) te betaal aan (naam van nemer) of order (of aan (naam van nemer) of toonder) die som van (meld bedrag) vir waarde genote. (Handtekening van maker) Voorbeeld 2 Promesse deur gesamentlike en afsonderlike makers (Adresse van alle makers) (Datum) O n s b e l o o f o m (o f o n s b e l o o f o m g e s a m e n t l i k e n a f s o n d e r l i k ) o p a a n v r a a g (of (meld) maande na datum of na sig) aan (naam van nemer) of order (of toonder) te betaal die som van (meld bedrag) vir waarde genote. (Handtekeninge van makers) Voorbeeld 3 Promesse betaalbaar in paaiemente (Adres) (Datum)
Ek/Ons beloof om aan (naam van nemer) of order (of toonder) te betaal die som van (meld totale bedrag) in die paaiemente uiteengesit onder 1 hieronder op die datums soos vermeld onder 2 hieronder vir waarde genote: 12 Bedrag: (meld) Datum: (meld) Bedrag: (meld) Datum: (meld) In die geval van 'n wanbetaling ten opsigte van enige een paaiement is die balans van die promesse dadelik opeisbaar en betaalbaar. (Handtekening(e) van maker(s)) Voorbeeld 4 Promesse met inpandgewing van aanvullende sekuriteit (Adres) (Datum) Ek beloof om op aanvraag (of (meld) maande na datum of (meld) dae na sig) slegs aan (naam van nemer of sy order) te betaal die som van (meld bedrag) vir waarde o n t v a n g p l u s r e n t e t e e n (meld) % p e r j a a r ; e k h e t a a n g e n o e m d e (n a a m v a n nemer) g e l e w e r e n g e e i n p a n d a a n h o m a s a a n v u l l e n d e s e k u r i t e i t d a a r v o o r (beskrywing van goed wat as sekuriteit gegee word) e n b y n i e b e t a l i n g s o o s b o v e r m e l d m a g t i g e k h i e r m e e g e n o e m d e (n a a m v a n n e m e r) o m o n v e r w y l d d i e genoemde goedere by wyse van veiling, verkoping uit die hand, of andersins te verkoop of te vervreem en om hom uit die opbrengs van sodanige verkoping of vervreemding te vergoed vir genoemde bedrag van (meld bedrag) plus rente teen (meld) % per jaar. Die oorskot wat daar mag wees van die opbrengs van sodanige verkoping of vervreemding moet aan my betaal word. (Handtekening van maker) Voorbeeld 5 Promesse wat op 'n bepaalde plek betaalbaar gemaak word (Maker se adres) (Datum) Ek beloof om (meld) maande na datum (of (meld) maande of (meld) dae na sig of op aanvraag), te betaal by (naam van bank en spesifiseer tak) aan (naam van nemer) of order die bedrag van (meld bedrag) vir waarde ontvang. (Handtekening van maker) Voorbeeld 6 Promesse deur 'n maatskappy gemaak (Geregistreerde adres van maatskappy) (Datum) Die (naam van maatskappy) beloof om op aanvraag (of (meld) maande na datum of (meld) dae na sig) te betaal aan (naam van nemer) of order, die som van ( meld bedrag) vir waarde ontvang. Per Pro (of vir en namens (naam van maatskappy))
Voorbeeld 7 Wissel betaalbaar op aanvraag of op sig of by aanbieding (Trekker se adres) (Datum) R.................... (meld bedrag van wissel Op aanvraag (of Op sig of By aanbieding) betaal aan (naam van nemer) of order (of betaal aan (naam van nemer) of toonder of betaal aan my order) die som van (meld bedrag waarvoor wissel getrek is), vir waarde ontvang. (Handtekening van trekker) Aan: (Naam van betrokkene) (Betrokkene se adres) Voorbeeld 8 Wissel betaalbaar na datum of na sig (Trekker se adres) (Datum) R.................... (meld bedrag van wissel) (Meld) maande (of ander bepaalde tyd) na datum of na sig betaal aan (naam van nemer) o f o r d e r (o f t o o n d e r o f b e t a a l a a n m y o r d e r ) d i e s o m v a n (meld bedrag waarvoor wissel getrek is), vir waarde ontvang. (Handtekening van trekker) Aan: (Naam van betrokkene) (Betrokkene se adres) Voorbeeld 9 Wissel betaalbaar in paaiemente met of sonder rente met of sonder versnellingsklousule (Trekker se adres) (Datum) R.................... (meld bedrag van wissel) Op datum aangedui onder 1 hieronder, betaal aan ( naam van nemer) of order (of b e t a a l a a n (naam van nemer) of t o o n d e r of b e t a a l a a n m y o r d e r ) d i e p a a i e m e n t e soos aangedui onder 2 hieronder, tesame met opgeloopte rente bereken teen (meld) % per jaar op die uitstaande balans van hierdie wissel. 12 Datum: (meld) Bedrag: (meld) Datum: (meld) Bedrag: (meld) Datum: (meld) Bedrag: (meld) (Indien van toepassing kan die volgende bygevoeg word: In die geval van 'n wanbetaling ten opsigte van enige een paaiement is die balans van die wissel dadelik opeisbaar en betaalbaar.) (Handtekening van trekker) Aan: (Naam van betrokkene) (Betrokkene se adres)
Voorbeeld 10 Nieoordraagbare wissel (Trekker se adres) (Datum) R.................... (meld bedrag van wissel) (Meld) maande na datum betaal slegs aan (naam van nemer) die som van (meld bedrag waarvoor wissel getrek is), vir waarde ontvang. Nie oordraagbaar nie. (Handtekening van trekker) Aan: (Naam van betrokkene) (Betrokkene se adres) Voorbeeld 11 Wissels getrek sonder reg op verhaal (Trekker se adres) (Datum) R.................... (meld bedrag van wissel) (Meld) maande na datum betaal aan (naam van nemer) of order sonder reg van verhaal teen my (of san recours) die som van (meld bedrag waarvoor wissel getrek is) vir waarde ontvang. (Handtekening van trekker) Aan: (Naam van betrokkene) (Betrokkene se adres) Voorbeeld 12 Algemeen en volstrekte akseptasie 1.1 AB & Kie. 1.2 Geaksepteer AB & Kie. 1.3 Geaksepteer betaalbaar te (plek) AB & Kie. Voorbeeld 13 Beperkte akseptasie 2.1 (Voorwaardelik): Geaksepteer betaalbaar by (spesifiseer die voorwaarde). 2.2 (Gedeeltelik): Geaksepteer vir (meld bedrag waarvoor wissel geaksepteer word waar wissel vir 'n groter bedrag getrek is). 2.3 (Plaaslik) : G e a k s e p t e e r b e t a a l b a a r s l e g s t e (naam van bank en/of tak) b y a d r e s (meld adres) alleenlik en nie elders nie. 2.4 (Betreffende tyd): Geaksepteer betaalbaar (meld) maande vanaf datum van wissel. 2.5 (Deur een of meer van die betrokkenes maar nie almal nie): Geaksepteer A. Voorbeeld 14 Algemene endossement
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