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UNIVERSITY EXAMINATIONS
May/June 2020 Examination
LML4807
BANKING LAW AND USAGE
100 Marks
Duration: 24 Hours
The examination question paper consists of 7 pages.
INSTRUCTIONS FOR A PORTFOLIO WITH ASSESSMENT INFO TOOL ON MYUNISA
PLEASE READ THE FOLLOWING INSTRUCTIONS CAREFULLY BEFORE
ANSWERING THE EXAMINATION QUESTIONS.
1. The examination question paper counts 100 marks.
2. Please read the following instructions carefully as you answer different sections
depending on whether you are a supplementary/aegrotat student or not:
• ALL STUDENTS: You must answer SECTION A.
• SUPPLEMENTARY AND AEGROTAT STUDENTS: You must answer SECTION A
and SECTION B. You must NOT answer SECTION C.
• 2020 REGISTERED STUDENTS: You must answer SECTION A and SECTION C.
You must NOT answer SECTION B.
• Indicate clearly on your answer sheet whether you answered SECTION B or
SECTION C.
3. The duration of the examination is 24 hours. Your portfolio answer must be
submitted via myUnisa on 1 July 2020 on or before 15:00 noon (Central African
Time).
4. This is an open-book examination. You may consult your prescribed study material
during the examination.
5. Your answer to this portfolio examination must be submitted online on myUnisa.
6. The steps to upload your answer to the portfolio examination are as follows:
6.1 On the landing page for myUnisa, before login, go back to the link where you
downloaded your examination paper: Login and download my Exam Question
Paper for May/June 2020.
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6.2 Login using your student number and myUnisa password.
6.3 On the next screen, find the module code for which you want to submit a portfolio
answer file. Click on the link to “submit answer file”. This link will only display if
the examination session is still open for submissions.
6.4 A new screen will open that will guide you through the steps to upload your answer
file.
Step 1: Load assessment file from your device to myUnisa
• Click on the Browse button next to File Name
• In the Choose File dialog box, select the file you want to upload, and then click OK
• Select the correct programme format from the File Format drop-down list.
• Most modules only allow PDF formatted files to be uploaded.
• Read the Honesty Declaration statement, then click the check box to
acknowledge that you have the statement.
• If you agree with the Honesty Declaration statement, type I AGREE in the text
• box. You cannot continue with the submission process if you do not complete
• the requirements of the declaration.
• Click on the Continue button.
Step 2: Verify the file details for final submission of your answer file
• Use this step to verify that you are uploading the correct portfolio answer file to the
correct course and assessment number.
• Click on the Continue button to submit your answer file. If you do not click
Continue, no submission action will take place.
• Large files will take longer to upload than smaller files. Please be patient after
you’ve clicked Continue.
• If the wrong details, e.g. file name, appear on the screen, click Back to restart the
file upload process.
Step 3: Assessment submission report
This is your proof that your portfolio answer file was submitted. It is advisable to print
this page or make a screen capture for record purposes. A copy of this page will also be
emailed to your myLife email account.
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7 Alternative Submission Process
7.1 Login to myUnisa using your student number and myUnisa password
7.2 Click on the “myAdmin” tab in the top navigation
7.3 In the “Assessments” submenu, click on the “Assessment Info” tool in the
drop-down list
• A list of all available assessments will display
• Locate the section for May/June Online Exams at the bottom of the list
• Find the corresponding module code
• Click on the Open in New Window link and follow the steps as described above.
8. The cover page to your portfolio must include your name, student number and the
module code.
9. It is preferred that your portfolio is typed, however, handwritten submissions will
also be accepted. Follow the detailed submission instructions provided in the
Student Guide: Unisa Portfolio Submission. If the portfolio is typed, the maximum
length is 27 pages (which includes the cover page and the bibliography). If the
portfolio is handwritten, the maximum length is 35 pages (which includes the cover
page and the bibliography). If your answer exceeds the prescribed length, we will
stop marking when your answer reaches the page limit.
10. Whether your answers are typed or handwritten, your submission on myUnisa must
be made in the form of one PDF document. Note that you should NOT passwordprotect your PDF portfolio answer file and virus infected files will NOT be marked.
11. If your answers are typed, ensure that the following requirements are adhered to.
11.1 The text must be typed in Arial font, size 12 with single line spacing within the
paragraph, and double line spacing after the paragraph.
11.2 The text must be justified.
11.3 All of the pages must be numbered in the bottom right hand corner of the page.
11.4 All margins must be 2.5cm, but the left margin must be 3cm.
11.5 South African English and not American English should be used. For example, the
correct spelling is “Labour” and not “Labor”.
11.6 Do NOT use abbreviations or SMS language.
11.7 Use quotations very sparingly. In this portfolio, a maximum of 5% of the text may be
quoted.
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11.8 All quotes that are two lines long (or less), must form part of the main text, be typed
in italics, and be bracketed by quotation marks. Where a quotation is longer than
two lines, it must be typed in a separate paragraph in italics in size 11 font and must
be indented by 1 cm. No quotation marks are required when the quotations stand
alone.
12. When answering the portfolio questions, remember that an open-book exam is a
test at a higher level than the usual type of exam, where memory is tested as much
as insight. In an open-book exam, you need not memorise any information. You are
expected to prove that you can use information, rather than merely repeat it. In brief,
what is being tested is factual knowledge, understanding and the correct application
thereof, not memory skills. For this reason, you do not earn marks by merely
detailing a list of all the information that you think might be relevant to a particular
question. This gives no indication that you know what statutory or other provisions
are applicable in a specific context. You are expected to identify precisely what
information applies, and then explain why you think so. Also, because you have the
prescribed study material available when answering questions, we do not give marks
for direct quotations. You are therefore assessed on your level of understanding of
the legal principles by looking at how well you applied the principles to the questions.
PLEASE DO NOT CUT AND PASTE ANSWERS FROM THE PRESCRIBED
MATERIALS (OR ANY OTHER SOURCE).
13. The arguments that you make and your critical application must be logical, wellstructured and substantiated by all of the relevant legal principles. You are
given 24 hours to complete the portfolio. Use the time given wisely.
13.1 Ensure that you give reasons for each answer. Substantiate your answers by
referring to ALL of the relevant authorities, e.g. sections from relevant legislation
and/or court cases and/or other prescribed materials in the text or in your footnotes.
13.2 You are required to have read and summarised the prescribed cases and/or
prescribed case notes yourself. When using case law to support your answer,
please include complete references to the relevant cases in your footnotes. This
means that you must not only include the name of the case but also the exact page
and section and/or paragraph where the information can be found. The same applies
to articles and books used.
13.3 A number of students lose marks because they do not approach problem-type
questions correctly. When answering such questions, it is important to first clarify
for yourself the area of work where the answer must be sought. Once you have done
this, set out the relevant legal principles. Deal only with those principles that relate
to the given facts. Next, apply these principles to the facts. This is where most of the
students lose marks - they set out the law in some detail, but then do not illustrate
how it applies to the factual situation they have been asked to solve. Finally, state
your conclusion.
14. Number your answers correctly. No marks will be awarded for incorrectly
numbered answers. Questions that consist of clearly indicated sub-questions must
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be answered accordingly. Marks will be deducted if answers to sub-questions are
lumped together in a single answer.
15. Each student must write and submit his or her own individual portfolio. In other
words, you must submit your own work in your own words and you must reference
the sources that you have used properly. You cannot submit work that you have
done as part of a group, even if you do change some of the wording or switch around
some of the sentences and/or paragraphs. We reserve the right to submit your work
to an electronic program to check whether the answers submitted have been copied
from internet sources and/or from other students. If it is found to be so, your portfolio
will be awarded a mark of 0%. Furthermore, you may be subjected to disciplinary
proceedings by the University. To ensure that you don’t fall foul of the rules
prohibiting student misconduct you are referred to the UNISA Students’ Charter of
Rights and Responsibilities and the Students’ Disciplinary Code.
16. Include an Academic Integrity Declaration similar to the one below in the front of
your portfolio answer. If you fail to include the declaration, it will result in a mark of
0%.
I, [type in student name] declare that this portfolio submitted towards the
examination for the module LML4807, is my own work and has not been submitted
before to any institution for assessment purposes. Further, all sources that I have
used or quoted have been indicated and acknowledged by means of complete
references.
PLEASE NOTE:
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