Click to edit Master subtitle style 3/20/12 To: Portfolio Committee on Human Settlements RHLF STRATEGIC PLAN By:Jabulani Fakazi, CEO & Bruce Gordon, CFO

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3/20/12 Human Resource Capacity

Click to edit Master subtitle style 3/20/12 STRATEGIC OUTCOME GOALS

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3/20/12 GOVERNANCE

3/20/12 CORPORATE GOVERNANCE Board of directorsComposition of the Board Full and effective control over the company Monitors managementDecisions on material matters are in the hands of the board. Six non-executive directorsNon-executive chairpersonOne Executive

3/20/12 Governance – Board and Committees

3/20/12 Governance: Board Committees BOARD OF DIRECTORS HR ETHICS & REMUNERATION COMMITTEE CREDIT AND DEVELOPMENT COMMITTEE AUDIT AND RISK COMMITTEE INTERNAL AUDIT

Click to edit the outline text format Second Outline Level  Third Outline Level Fourth Outline Level  Fifth Outline Level  Sixth Outline Level  Seventh Outline Level  Eighth Outline Level Ninth Outline LevelClick to edit Master text styles – Second level Third level – Fourth level » Fifth level Concluding Remarks 2012/13 outlook remains uncertain due to implications of global economy uncertainties If Government initiatives for job creation materialise, and general economic conditions improve: High levels of indebtedness remain a major concern in our target market Then RHLF will have resources to increase lending over the MTEF periodBut will need more funding beyond MTEF period to support business growth to meet incremental housing needs in rural areas and new settlements

3/20/12 Thank You