English FAL Grade 12 Paper 1 NSC June 2013 Question Paper

ge “=e basic education Department: Basic Education REPUBLIC OF SOUTH AFRICA SENIOR CERTIFICATE EXAMINATION ENGLISH SECOND LANGUAGE P11 HIGHER GRADE 2013 MARKS: 80 TIME: 2 hours ENGLISH SECOND LANG HG: Paper 1 1051 0 This question paper consists of 10 pages. X@5 wn Copyright reserved TMI HMMA INK Ill lll Ill Please turn over

Downloaded from hlayiso.com English Second Language/HG/P1 2 DBE/2013 SCE INSTRUCTIONS AND INFORMATION 1. Answer ALL the questions. 2. Start EACH section on a NEW page. 3. Number the answers correctly according to the numbering system used in this question paper. 4. Pay special attention to spelling and sentence construction. Copa roared NAN 40 0 Pose um over

Downloaded from hlayiso.com English Second Language/HG/P1 3 DBE/2013 SCE SECTION A: COMPREHENSION QUESTION 1 Read the passages (TEXTS A, B and C) and answer the questions that follow. TEXT A ARE SMALL LOANS BIG TROUBLE? ‘Consumers are now protected by tighter regulations,’ writes Brendan Peacock. In trying times the temptation to make a loan may be great, but banks are not as free with credit as they used to be. Approaching lenders in the microfinance market is a possibility, although their reputation as ‘loan sharks’ has been hard to shake off, and many of us would have a hard time sorting out the honest lenders from the less honest ones. Peter Setou, of the National Credit Regulator (NCR), says that the microfinance industry has been strictly controlled since 1999. 'There has been a vast improvement within this sector. The NCR regulates the credit industry (including microlenders) under the National Credit Act (NCA), which was signed in 2005,’ says Setou. Indications are that the credit providers who provide finance to the lower end of the market are managing their loan books well. Before the regulation of the finance industry, problems were rife, such as consumers’ bank cards, PINs or identity documents being retained by microlenders. Consumers were also forced to sign blank application documents. Since the regulation of this industry, these practices have been outlawed. Credit providers that do not comply with the NCA are deregistered. Setou adds that the larger banks and more established credit providers are now also aggressively entering the short-term credit market to take advantage of the ever-increasing need for short-term loans. ‘Statistics indicate that the microlenders are very active in the short-term market. Most small microlenders offer small-value loans, which are normally paid back within one month.’ Larger loan amounts, repayable within six months, are also available. Whether you approach well-known financial institutions or small local lenders, there are maximum prescribed interest rates and administrative fees that credit providers may charge according to NCR regulations. 'Note that the microlenders can also charge a monthly service fee." ‘All registered credit providers are compelled to display their registration certificates at the business premises where they conduct their activities. They must also reflect their registration number on all credit agreements and communications with the consumer.’ [Adapted from: Sunday Times, 14 November 2010] Conon ser AA HAH Pease tum vr

Downloaded from hlayiso.com English Second Language/HG/P1 4 DBE/2013 SCE 1.1 Write down the opposites (TWO words) appearing in the title. Both words must be correct. 1.2 Explain the meaning of the following phrase as it is used in paragraph 1. ‘in trying times' 1.3 Quote a two-word phrase from paragraph 1 that refers to dishonest lenders. 14 Is the following statement TRUE or FALSE? Quote a two-word phrase from paragraph 1 to support your answer. In the past microlenders were all honest and truthful. 1.5 Which institution is responsible for keeping an eye on the credit industry? 1.6 According to paragraph 3, consumers were exposed to four unfair practices before microfinances were regulated. List the FOUR malpractices. 1.7 Give ONE reason why banks and more established credit providers have recently entered the short-term credit market. 1.8 What does the word 'aggressively' in paragraph 3 suggest about the way in which banks have entered the short-term credit market? 1.9 Complete the following statement by filling in NO MORE THAN TWO WORDS from paragraph 4: Loans that have to be paid back within six months, are referred to as ... loans. 1.10 Refer to paragraph 4. Find a phrase or word used earlier in the passage that means the same as: 1.10.1 well-known financial institutions (paragraph 4) 1.10.2 small local lenders (paragraph 4) 1.11 In addition to the amount loaned, what additional monies can be charged according to the NCR? Name THREE. 1.12 According to paragraph 5, which TWO conditions must registered credit providers fulfil? Copyntasoved NAN A Pease tun oer (2) (1) (2) (1) (4) (2) (1) (1) (1) (1) (3) (2) (22)

Downloaded from hlayiso.com English Second Language/HG/P1 5 DBE/2013 SCE TEXT B NEED A LOAN OF UP TO R10 0007 There is no reason for you to run Ground collecting paperwork before ihe bonk closes, followed by a stressful face-to-face loan application. You can now get o Capfin toan in three easy steps. ID book All you'll need is your bar- coded SA ID book. We won't ask you for any paperwork, like bank statements, pay slips and proof of address. Visit one of 1 400 PEP It's that simple. stores across South Africa. You'll find them in every town, and open during regular business hours. Wait less than 15 minutes for an SMS to confirm your loan approval. This will be followed by a phone call to confirm your details. SSF fl Cellphone ||). 45 z _ hs f i | It's that confidential. ] [ BECAUSE LIFE'S TOO SHORT TO GO TO THE BANK | deco —zZ> www.capfin.co.za www.capfin.mobi USSD *120*55664 co eaned KUL) 252

Downloaded from hlayiso.com English Second Language/HG/P1 6 DBE/2013 SCE 1.13 Quote THREE separate words from the advertisement that summarise the advantages of applying for a Capfin loan. (3) 1.14 According to the advertisement, where can you apply for a Capfin loan? (1) 1.15 In the context of the advertisement: 1.15.1 Why is the ID book in the man's hand enlarged? (1) ee Why is the cellphone the man is holding enlarged? (1) 1.16 Why does the man with the cellphone look so happy? (2) TEXT C Mama Taxi. (aoas 4) Deni Brown (netwes sy)Gavin Thomson | Wey messue en pat es PReSSuRe's T WAS ony Foou’s UP! uA UPR / ELECTRICITYS UP uP! SAYING HELLO vex. \ Teta ce ao Bernier Mama interprets 'wassup' in a way that it was not intended. Explain this statement. (2) Answer the following questions about Mama's mood in the cartoon: 1.18.1 How would you describe her mood? Give ONE word. (1) 1.18.2 Give TWO reasons for your answer in QUESTION 1.18.1. (2) TOTAL SECTION A: 35 Conmatrosned NA A000 Pose tum over

Downloaded from hlayiso.com English Second Language/HG/P1 7 DBE/2013 SCE SECTION B: SUMMARY QUESTION 2 Many South Africans find themselves in the debt trap. Read the passage 'How to readjust your monthly spending’ below, and in no more than 60 words list SEVEN steps to escape the debt trap. INSTRUCTIONS List at least SEVEN facts in full sentences. Number your sentences from 1 to 7. Write down only ONE fact per sentence. Use your own words as far as possible. Indicate the number of words you have used in brackets at the end of the summary. e Do not exceed the number of words required. HOW TO READJUST YOUR MONTHLY SPENDING Getting out of debt is easier than you think — if you're disciplined and use a little common sense. Charles Jorgensen, whose company runs seminars teaching people to manage their money better, has the following advice to escape the debt trap. ‘Most of us know what we earn, but the problem is that we often do not keep track of how we spend it. Analysing your spending is the first step in taking control of your finances. You are likely to find that you over-spend in certain areas,' says Jorgensen. Take a serious look at your regular monthly commitments. Make a list. This analysis will probably be scary, but persevere. If you are in debt, you will probably find that your general spending and your monthly commitments exceed your income. Prioritise the debts you want to eliminate first, starting with those with the lowest monthly payments through to the highest. If you are in the debt trap, there's only one way out — make some sacrifices now. In most cases you will have to do without some luxuries. You have to find a way to economise to release some cash to start paying back your debts. Use the few rand you released in your budgeting process to pay over and above the normal monthly payments towards your first-priority debt. Continue doing this until the first debt on the list has been paid off. When you have paid off the first debt, allocate all the extra cash to the next debt, and repeat this each time to eliminate a debt. The added amount of cash from the debt paid off will make it easier to pay off the debt which follows. You will soon see a snowball effect and you will be well on your way to becoming debt free. Jorgensen says that some hire-purchase agreements do not reward faster debt repayment and do not reduce the interest you end up paying. If a creditor will not reduce the interest you pay, do not pay this debt off faster. Concentrate on the others instead. [Adapted from: Saturday Star, 13 May 2006] TOTAL SECTION B: eal LTT LIL Pease turn over 10

Downloaded from hlayiso.com English Second Language/HG/P1 8 DBE/2013 SCE SECTION C: LANGUAGE USAGE QUESTION 3 Read the following passage and answer the questions that follow. Speak out against Fraud and Corruption | We urge all our employees, clients, members of the public and our suppliers to report any kind of fraud or corruption at Transnet Contact Toll Free number: 0800 003 056 Confidentiality guaranteed! Tip-offs anonymous E-mail: transnet@tip-offs.com TRANSNET Fax: 0800 007 788 Complete the following paragraph by: e Supplying the correct form of the word OR e Choosing the correct word from those given in brackets OR e Filling in the missing word Write down only the question number (3.1—3.10) and the correct answer. TRANSNET, one of the major (3.1 employ) in South Africa, does not tolerate corrupt (3.2 practices/practises). They urge people (3.3 ...) speak out against corruption and (3.4 assure/ensure) whistle-blowers that (3.5 ...) names will not be made (3.6 public). Any information sent to TRANSNET will be dealt with in a (3.7 confide) manner. TRANSNET can be contacted (3.8 ...) telephone, fax or e-mail. Their toll-free number (3.9 be available) at any time. Stop corruption by reporting it! It (3.10 be) the right thing to do! [10] Car womed TTL ae

Downloaded from hlayiso.com English Second Language/HG/P1 9 DBE/2013 SCE QUESTION 4 Read the passage below and answer all the questions that follow. ‘Some consumers sign agreements without understanding the terms and conditions, only to realise later that they have signed something that will be difficult to maintain,’ says Peter Setou of the NCR. Consumers have responsibilities when applying for credit: TAKE CARE WITH CONTRACTS Brendan Peacock Shop around and always borrow from a reputable credit provider. Request a pre-agreement quotation, and ensure that you understand the contents; if not, seek assistance before you commit yourself. Make sure that you disclose information required by the credit provider honestly. Dishonesty may cause you to lose the protection offered by the National Credit Act (NCA). The loan contract must clearly indicate the name of the credit provider and its contact details and postal address. Ensure that all the spaces in the contract have been filled in before you sign the document. If you sign a contract with blank spaces, you will not have control over other information entered after you have signed. Ask for a complaints procedure before signing the contract. Once satisfied, you can sign the contract, and insist on getting a copy of the original contract. Honour the credit agreement and repayments. Always keep receipts of your payments. [Adapted from: Sunday Times, 14 November 2010] 4.1 Rewrite and complete each of the following sentences starting with the words given. 4.1.1 You have to disclose all personal information honestly. All personal information ... 4.1.2 He kept receipts of monthly payments safely. Receipts ... 4.1.3 The consumer stuck to the credit agreements and honoured the repayments. Did ...? 4.1.4 A careful client requests a pre-agreement quotation. A careless client ... Conroe A 00 0 A Pesotum ove (2) (2) (2) (2)

Downloaded from hlayiso.com English Second Language/HG/P1 10 DBE/2013 SCE 4.1.5 Dishonesty will cause you to lose the protection offered by the NCA. Dishonesty will cause you to lose the protection offered by the NCA, ...? 4.1.6 ‘These consumers sign agreements without understanding the 4.2 4.3 44 4.5 terms and conditions.' Peter Setou said that ... 4.1.7 ‘Clients only realise later that they have signed something that will be difficult to maintain.’ He said that ... Choose the correct word or provide the correct form of the words in brackets. Write only the question number (4.2.1—4.2.5 and the correct answer. A responsible consumer (4.2.1 lends/borrows) only from a credit provider with (4.2.2 a/an) honest work record. The (4.2.3 good) way to find the right provider, is to shop around. In this way one will not (4.2.4 loose/lose) money (4.2.5 unnecessary). Correct the single error in each of the following sentences. Rewrite the sentence correctly and underline the correction that you made. 4.3.1 These contract's are not valid and trustworthy. 4.3.2 Its really difficult to obtain a loan nowadays. Write down a word that means the opposite of the underlined word in the sentence below. The form is complete. Combine the following two sentences, starting with the words given. Request a pre-agreement quotation. Commit yourself to the loan. It is only after you ... TOTAL SECTION C: GRAND TOTAL: Conran rosre 0 (2) (2) (3) (5) (1) (1) (1) (2) [25] 35 80