Amended And Restated Programme Memorandum - Amber House Fund 5 (RF) Limited Amber House Fund 5 (RF) Limited (incorporated with limited liability in the Republic of South Africa) (Registration number: 2017/052607/06) Issuer code: AMBI5 (“the Issuer”) AMENDED AND RESTATED PROGRAMME MEMORANDUM Noteholders are referred to the ZAR4,000,000,000.00 Asset Backed Note Programme Memorandum (“the Initial Programme Memorandum”) which was established by the Issuer on 18 October 2018 (the “Initial Programme”). The Initial Programme Memorandum will, following the redemption of all of the Notes outstanding under the Initial Programme on 21 August 2023, be superseded and replaced by the terms and conditions of a new Programme Memorandum of the Issuer, dated 7 August 2023 (the “New Programme Memorandum”). The most pertinent amendments which have been provided for in the New Programme Memorandum, are summarised below: - The New Programme Memorandum has been updated to comply with all of the applicable provisions of the amended JSE Debt Listings Requirements (effective 30 November 2022). - The Eligibility Criteria and Portfolio Covenants in respect of the underlying portfolio of securitised home loans have been updated. The New Programme Memorandum was approved by the JSE on 8 August 2023 and is available for viewing on the following website link: https://www.sahomeloans.com/investors Debt Sponsor The Standard Bank of South Africa Date: 10-08-2023 09:02:00 Produced by the JSE SENS Department. The SENS service is an information dissemination service administered by the JSE Limited ('JSE'). The JSE does not, whether expressly, tacitly or implicitly, represent, warrant or in any way guarantee the truth, accuracy or completeness of the information published on SENS. The JSE, their officers, employees and agents accept no liability for (or in respect of) any direct, indirect, incidental or consequential loss or damage of any kind or nature, howsoever arising, from the use of SENS or the use of, or reliance on, information disseminated through SENS.