Issue 12 Newsletter draft word 23.10.2018

Some of our
2018 deals!

Message from the CEO
Dear CPF can you believe we are believe it Christmas is almost upon us walking in the malls I see
Christmas decorations and retailers stocking up for Christmas. Christmas is one of my favourite
times of the year not only does it mean presents it also means spending time with loved ones and
reconnecting with old friends. It’s been almost 10 months since I’ve joined CPF and its been an
incredible journey to say the least. We launched our STEP UP TO DOUBLE UP campaign and I
must say that we have seen great traction with everybody trying their best to make CPF successful.
We have lots of new faces that have come in and taken the bull by the horns while the existing
people have embraced the challenge of Doubling our book in the next three years. I can tell you that
we are on track provided we carry on this way to achieving the targets set out. Our assets are up
16% which is phenomenal
In this market where there’s lots of uncertainty. Our NIBT (profit) is up 43% for the quarter. So, we
do know that the new strategy is working and reaping rewards. Thanks to the efforts of each one of
you. Let’s keep this going until June 2019 and we will have one big party once we achieve our
numbers.
There’s a Yiddish proverb that I quote often and it goes something like this “You cannot control the
wind but you can adjust your sail” and at CPF we’ve definitely adjusted our sails. Keep up the
excellent work – Preggie Pillay

You can't cross the sea
merely by standing and
staring at the water.
Rabindranath Tagore
End-of-year fatigue is here!!!
With the silly season approaching most of us are operating on a quarter tank. So much to do,
so little time. Thus, making it easy to procrastinate.
4 ways to help you stop procrastinating
1. Change your environment
Different environments have different impacts on our productivity. Look at your work desk, does it make you want to work or
want to go back home? If it’s the latter, you should consider changing your workspace. Making it more inviting and pleasant
for you to spend time at.
2. Break your work into little steps
If your work gets too overwhelming, break it down into little parts, then focus on one part at the time. If you still procrastinate
on the task after breaking it down, then break it down even further. Soon, you will be a Pro at managing your daily tasks.
3. Create a detailed timeline with specific deadlines
Create an overall timeline with specific deadlines for each small task. This way, you know you should finish each task by a
certain time/date. Try breaking the goals down into monthly, weekly, right down to the daily task lists, and the list is a call to
action that you must accomplish this by the specified date, or else your goals will be put off.
4. Eliminate your procrastination pit-stops
If you are procrastinating a little too much, maybe that’s because you make it easy to procrastinate. Get rid of the distractions
around you. Be more conscious of your distracting actions
.
Tap here to add a caption

Women’s Day
Pretty women wonder where my secret lies.
I’m not cute or built to suit a fashion model’s size
But when I start to tell them,
They think I’m telling lies.
I say,
It’s in the reach of my arms,
The span of my hips,
The stride of my step,
The curl of my lips.
I’m a woman
Phenomenally.
Phenomenal woman,
That’s me. – M aya A ngelou

Congratulations!!!
Congratulations to Darielle on the birth of her baby Girl,
Leyara
She was born 31st July 2018, weighing in at a healthy
3.17kg.

Congratulations!!!
d
Congratulations to Tiego on the birth of her baby Girl,
Puseletso
She was born 08th October 2018, weighing in at a healthy
2.8 kg.

Congratulations!
Congratulations to Elvis on the birth of his baby Boy,
Manqoba
He was born 20th August 2018, weighing in at a healthy
3.14 kg.

Let’s find out what our deal-makers have been up to!

Name: Bank Price: O / Balance: Property
1.New Order Investments 90
1. R39,000,000.00 (Existing)
1. R39,000,000
1. Retail Centre, Lydenburg
(Pty) Ltd
2.New Order Investments 90
2.R40,000,000.00 (Proposed)
2. Nil
2. Shoprite Store, Kathu, AND
Shoprite Store, Vredenburg
(Pty) Ltd
TOTAL: R79,000,000.00 R39,000,000.00
Kathu
Lydenburg
120-month Diminishing Musharaka facility of R40m i.n.o New Order Investments 90 (Pty) Ltd to acquire 2 standalone retail properties in
- Kathu (Northern Cape) and Vredenburg (Western Cape)
The 2 standalone stores are currently owned directly by Shoprite and is part of the group’s strategy to focus on their retail arm of the business and not asset
management
Repayment and Structure:
• Fully amortizing over the term of 120m
• Stepped at 4.4% p.a.
• DSC at 1.0 X on Rental income
• Surplus buffer on the OP Co cash flow with stressed DSC over 5X for property expenses and interest rate hike of 2%

Phase 1 of Bergendal
total Loan amount R74,650,000
Paarl 112 ST apartment units for Skyward
Housing group
A transaction approved during October in the
Premium segment

Introducing our First Job CPF learners
Congratulations and a warm welcome from the
CPF team, we trust you will enjoy your stay
with us.

Brief introduction of who you are, where you are from and your study background?
• A Pianist, singer, youthful and a lover of life
• Born in Gauteng, spent about 3 years of my childhood in Freestate (kestel), Later
went to Hertzogvile (Freestate) to start Pre-School until grade 2
• Went to study Electrical Engineering at Sasolburg (Flavious Mareka)
• Electrical Trade test preparations at Renkalec (Olifasfontein)
Describe yourself in 3 words?
• Spontaneous
• Adventurous
• Opportunist
How are you finding FNB CPF?
Exciting and way out of my comfort zone. It is interesting to be challenged by tasks you
have not been exposed to.
Thato Motaung
What are your challenges in the work environment?
Currently there is nothing, I’m still adjusting to everyone and everything including the
people who are not in my department.
Has working for the financial industry always been your passion? If yes why?
I have never been exposed to the financial sector before, I would say most of the things
I’ve socialized myself in bore passion. This is a new chapter and by the look of things
everything is falling into place and my passion construct can be altered anytime. I believe
there is no specific passion up until you taste the waters.
Where do you see yourself in the next 3 years?
• I want to utilize every moment I have during the 10 months skill development
program to land a secured job and climb ladders within the faculty I will be well
versed in.
• Obtain a wireman’s license

Brief introduction of who you are, where you are from and your study background?
I am 22 years old and I was born and bred in Limpopo Polokwane in a Village called
Ga-Mphahlele to be precise but I now reside in Johannesburg Berea. I studied
Science stream at school then I went to Johannesburg Central TVET College where I
studied Electrical Engineering nated courses.
Describe yourself in three words?
• Fun
• Calm
• A foodie
d
Motlatso Mphahlele
How are you finding CPF so far?
I find it interesting and challenging at the same time but I am learning, the
information is too much to take in, the thought of mastering all the systems we use in
CPF. But I know it will get better with time.
The challenges working for this department?
I don’t have challenges really but only if people here can greet back when we greet
and be accommodating. Because think they are undermining us since we are learners.
Was working for a financial industry always been your passion?
To be honest the answer is no, but I feel like I belong here, Because I was still trying
my find my passion not only in Electrical sector.
Where do you see yourself in the next three years?
I am planning on staying here and I wish to be head sales since I am working for a
financial company

Brief introduction of who you are, where you are from and your study
background?
My name is Lona Mabhengu I’m 22 years old originally from Eastern cape and I
am currently staying in Johannesburg Berea. I matriculated in 2013 and I studied
higher certificate in economics and management sciences in 2014, completed in
2015. Now I am currently studying Bcom Economics at University of South
Africa(Unisa).
Describe yourself in 3 words?
Ambitious, dedicated and hard worker.
What are your hobbies?
Playing chess, drawing, reading and watching movies.
Lona Mabhengu
How are you finding FNB CPF?
I’m learning lot about processing invoices, loading suppliers and checking GL
accounts which I knew absolutely nothing about and I love what I do.
What are your challenges in the work environment?
I haven’t encountered challenges so far.
Has working for the financial industry always been your passion? If yes why?
Yes. Because I wanted to learn more about the operational side of the financial
institution and this will help me grow career wise since Economics and finance
are related.
Where do you see yourself in the next 3 years?
I want to complete my qualification and work for a financial institution like FNB.

Brief introduction of who you are, where you are from and your study background?
My name is Tshepo Morukhu, am 29 years old. I was born in Limpopo, I came to
Johannesburg to pursue my career. I have Diploma in IT and I have business. I develop
mobile App, websites, and I do Internet Marketing.
Describe yourself in 3 words?
Creative, Curious, Analytic
What are your hobbies?
Playing Soccer
How are you finding FNB CPF?
I find CPF interesting, am enjoying it and I am learning new things.
What are your challenges in the work environment?
My challenge was pressure, I couldn’t handle pressure before but now I can handle
pressure
Has working for the financial industry always been your passion? If yes why?
Yes, I am a freelancer, I manage google AdWords accounts from different clients so it’s
been my passion.
Where do you see yourself in the next 3 years?
I am driven to be the best at what I do and I want to see my business growing

Brief introduction of who you are, where you are from and your study background?
My name is Louisa Pearl Mavundla, 23 years of age. Originally from Mpumalanga, Nelspruit,
Kamsogwaba, currently residing in Johannesburg, Maboneng. I moved to Johannesburg in 2015. I am
the youngest of 3. I matriculated in 2013 at Valencia Combined School, 2014 I was in a work readiness
program for 6 months by BabkSETA, through an organization called Guarantee Trust Cooperate
Services. In 2015 I was fortunate enough to be in a learnership at Standard Bank Head Office. In 2016 I
was awarded “1 st runner up, top performer” for the learnership and “Most Proactive” in my team.
Describe yourself in 3 words?
Hard working, Ambitious, Positive
Pearl Mavundla
How are you finding FNB CPF?
The first week was a bit challenging as I had no work to do then, it got better in the following week,
when I started with the training, where I got to learn how each department connect to the next in
FNB CPF. Now it’s even great because I have learned a few processes in my department and I am able
to work just like my team members.
What are your challenges in the work environment?
The challenges that I am facing is with the accesses to the system which I understand and trying to
sort out. This affects me because I am not able to do some of the work, because I don’t have access to
some of the systems.
Has working for the financial industry always been your passion? If yes why?
Growing up I have always wanted to work in a bank to help people, for me I always thought I would
work in a branch with lots of people, helping them with their transactions (accounts, investments,
savings etc.) My passion slightly changed when I got exposed to the different environment of a bank,
the head office. I then realized that banks deal with more than what happens in branches. With the
“new bigger world” that had opened for I was even more passionate about being in the financial
industry.
Where do you see yourself in the next 3 years?
Having completed my learnership, with a Financial Management degree and having a permanent
position within FNB. I see myself having transformed, personally and in my career.

Brief introduction of who you are, where you are from and your study background?
I am 24 years old am the first-born child, I was born and raised in Soweto Diepkloof,
went to Madibane high school that’s where I did my matric. I worked as sales
representative for Avon, 2015 I studied Edu-care at South west Gauteng college. I am
also a dancer at dance factory at Newtown.
Describe yourself in 3 words?
• Reserved
• Optimistic
• Helpful
What are your hobbies?
• Dancing
• Reading
• Baking
How are you finding FNB CPF?
• So far, I am enjoying CPF I have learnt a lot since I have started here. Every
day I learn different things.
•
What are your challenges in the work environment?
What really challenges me is that it is my first time working, so am not used to
working environment.
Has working for the financial industry always been your passion? If yes why?
No
Where do you see yourself in the next 3 years?
In the next coming years, I see myself owning a business, I just started a small
business it is a home-based business for now, I see it growing to a big business. In
three years to come I see myself as a business woman

My Heritage
South Africa has been famously referred to as the rainbow nation because it is made up
of so many diverse cultures and religions. Contained within South Africa's borders are
Zulu, Xhosa, Pedi, Tswana, Ndebele, Khoisan, Hindu, Muslim, and Afrikaner people to
name but a few. These people are united by calling South Africa home, and therefore
their lives all contribute to forming a part of the country’s heritage, identity and culture.
Understanding that South Africa is composed of all these various influences is essential
for helping South Africans to understand and respect each other and to learn from each
other’s cultural practices. This is part of the healing that democracy has brought after
culture was used to divide South Africans in the past.

WELL-DONE!!!
LOGGED BY: Gugulethu Masango | NUMBER OF STARS: 5
TITLE: A happy client! :)
CUSTOMER EXPERIENCE: A very friendly and professional consultant that knows her product well! FNB Commercial
property finance consultant name - Dinah, whom I spoke to this afternoon around 14:15pm. She was unable to
process my application due to the nature of my requirements however she still gave me helpful information and
referred me to someone else who can assist, she did not do the usual thing we tend to experience at call centers to
just dismiss a client’s needs. She instead went beyond the normal service expectation! keep up the good work!
LOGGED BY: Ian Hallowell | NUMBER OF STARS: 5
TITLE: Employee asset to First National Bank Commercial Property Finance Team.
CUSTOMER EXPERIENCE: I would like to give a HUGE THUMBS UP to Avish Gokul from Commercial Property
Finance! After numerous dead ends and back and forth from call center operators, Avish sorted everything out in a
matter of days with content updates as he went! Avish Gokul you are a true asset to the First National Bank
Commercial Property Finance Team!

Breast Cancer Awareness Month!

Did you know?
•
• Most breast cancers present as a painless lump.
•
• Cancers can be diagnosed without having to undergo surgery.
• • It is not always necessary to have disfiguring for breast cancer; options such as breast
conserving surgery and radiation, and immediate reconstruction after mastectomy are
available.
• Major surgery to the glands can be replaced by a sentinel node biopsy in node
• negative patients.
• Specific tumour markers and characteristics about the tumour can determine whether
• one should have chemotherapy.
•
• Cancer can run in families.
•
• Breast cancer can be cured.
Find it! Fight it!
Early detection saves lives

Drink plenty of water If you stay hydrated you will be less likely to confuse thirst with hunger and reach for a snack
instead of a glass of water. It is important to be drinking anywhere from 2-3 liters off water a day! you may feel
that you are getting enough liquid but it is extremely important to be getting just water! So, remember to throw in
a glass of water between those holiday cocktails!
Knowing when to eat and not to eat Do you know when you’re hungry? Many people don’t, and it can take long
time- 6-8 hours for our body to tell us we need to eat! There are lots of times we THINK we are hungry, howeverwhen
we smell good food, see something yummy, or even being asked if we want something to eat! It’s hard to
learn to recognise when you are truly hungry, but it’s important to know if it’s real hunger or just a craving.
Don’t skip meals Holiday DAYS seem to run together- and it’s easy to skip a meal here and there (Especially after
sleeping late after a late night!) The trick is NOT to skip meals then play catch up later with a huge meal- you need
to eat small amounts all day. Plan for small meals- an apple and some peanut butter, some cheese and crackers,
nuts and fruit, instead of a full sit-down meal once a day!
Use the right Supplements Even when you try to eat right, you can miss some important nutrients! Try a to have a
smoothie in the morning with fruits, also stock up on your multivitamin. Also, be sure to research and use a
trusted brand of supplements. They are not all created equal!
Get enough sleep The Holiday season takes a lot out of us, and we don’t realise it! One of the first things to leave
the building is sleep, and yet, it is one of the most important. Once we get run down, it’s hard to regroup, fill up on
the right things— including SLEEP!

Preggie Pillay
Vanessa
Sarawan
Product
CFO
Solomon Mokwala
COO
Nelly Perman
Regional
distribution
channel
HRBP
Ruth Shogoe
Legal, Risk &
Compliance
Samantha
Gooch
Credit
Eben Petersen
Policies/Capit
al & Modelling
Attie Anderson
IPRE
Louise Schnetler
Owner
Serviced
Zain Sayed
Wealth, Islamic
&Africa
Nico De Beer
CAS
Sagren
Ramalingum
MIS
Raynald Poonen
Pricing
Finance
Operations
Manager
Deven Smit
Solutionist
Strategist Luke
Lindenberg
Project
manager
vacancy
KZN
Justin Swart
Cape
Richard Scott
Inland
Ian Fivaz
Gauteng E
Damon Austen
Tshwane
Da
Risk
Sherina
Sheik Ameer
Judgemental
credit
Scored
Credit/Analytics
Lorence Ntimane
ORM Janita
Chiman
Valuations
Mokuoane
Motsoanakaba
Gauteng SW
Credit Managers
Tienie Strydom