{"id":267,"date":"2024-04-28T13:59:53","date_gmt":"2024-04-28T13:59:53","guid":{"rendered":"https:\/\/legal.evest.com\/?p=267"},"modified":"2024-08-11T06:44:57","modified_gmt":"2024-08-11T06:44:57","slug":"fais-upfront-disclosure-sa-en","status":"publish","type":"post","link":"https:\/\/legal.evest.com\/index.php\/en\/2024\/04\/28\/fais-upfront-disclosure-sa-en\/","title":{"rendered":"fais-upfront-disclosure"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h1 style=\"text-align: center; color: #058080; font-weight: bold;\">FAIS UPFRONT DISCLOSURE<\/h1>\n<h4 style=\"text-align: center; color: #022a3a; font-weight: bold;\">ATRIAFINANCIAL SA (PTY) LTD.<\/h4>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: justify; margin-top: 6pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; color: #000000; font-size: 9pt;\"><a href=\"#_Toc487701986\"><span style=\"text-decoration: underline; color: #505c88; font-size: 12pt;\">1.<\/span><span style=\"font-size: 12pt;\">\u2003\u2003<\/span><span style=\"text-decoration: underline; color: #505c88; font-size: 12pt;\">Companies Legal Status<\/span><\/a><\/p>\n<p style=\"text-align: justify; margin-top: 6pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; color: #000000; font-size: 9pt;\"><a href=\"#_Toc487701987\"><span style=\"text-decoration: underline; color: #505c88; font-size: 12pt;\">2.<\/span><span style=\"font-size: 12pt;\">\u2003\u2003<\/span><span style=\"text-decoration: underline; color: #505c88; font-size: 12pt;\">Details of Key Individuals and Representatives<\/span><\/a><\/p>\n<p style=\"text-align: justify; margin-top: 6pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; color: #000000; font-size: 9pt;\"><a href=\"#_Toc487701988\"><span style=\"text-decoration: underline; color: #505c88; font-size: 12pt;\">3.<\/span><span style=\"font-size: 12pt;\">\u2003\u2003<\/span><span style=\"text-decoration: underline; color: #505c88; font-size: 12pt;\">Legal status of Key Individuals and Representatives<\/span><\/a><\/p>\n<p style=\"text-align: justify; margin-top: 6pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; color: #000000; font-size: 9pt;\"><a href=\"#_Toc487701989\"><span style=\"text-decoration: underline; color: #505c88; font-size: 12pt;\">4.<\/span><span style=\"font-size: 12pt;\">\u2003\u2003<\/span><span style=\"text-decoration: underline; color: #505c88; font-size: 12pt;\">Complaint Handling and Compliance Queries<\/span><\/a><\/p>\n<p style=\"text-align: justify; margin-top: 6pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; color: #000000; font-size: 9pt;\"><a href=\"#_Toc487701990\"><span style=\"text-decoration: underline; color: #505c88; font-size: 12pt;\">5.<\/span><span style=\"font-size: 12pt;\">\u2003\u2003<\/span><span style=\"text-decoration: underline; color: #505c88; font-size: 12pt;\">Other Matters of Importance<\/span><\/a><\/p>\n<p style=\"text-align: justify; margin-top: 6pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; color: #000000; font-size: 9pt;\"><a href=\"#_Toc487701991\"><span style=\"text-decoration: underline; color: #505c88; font-size: 12pt;\">6.<\/span><span style=\"font-size: 12pt;\">\u2003\u2003<\/span><span style=\"text-decoration: underline; color: #505c88; font-size: 12pt;\">Financial Services and Products<\/span><\/a><\/p>\n<p style=\"text-align: justify; margin-top: 6pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; color: #000000; font-size: 9pt;\"><a href=\"#_Toc487701992\"><span style=\"text-decoration: underline; color: #505c88; font-size: 12pt;\">7.<\/span><span style=\"font-size: 12pt;\">\u2003\u2003<\/span><span style=\"text-decoration: underline; color: #505c88; font-size: 12pt;\">Conflicts of Interest<\/span><\/a><\/p>\n<p style=\"text-align: justify; margin-top: 6pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; color: #000000; font-size: 9pt;\"><a href=\"#_Toc487701993\"><span style=\"text-decoration: underline; color: #505c88; font-size: 12pt;\">8.<\/span><span style=\"font-size: 12pt;\">\u2003\u2003<\/span><span style=\"text-decoration: underline; color: #505c88; font-size: 12pt;\">Client Understanding &amp; Confirmation<\/span><\/a><\/p>\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td style=\"width: 7.440917107583775cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; color: #ffffff; font-size: 12pt;\">NAME:<\/p>\n<\/td>\n<td style=\"width: 10.686067019400353cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; color: #ffffff; font-size: 12pt;\">ATRIAFINANCIAL SA (PTY) LTD<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 7.440917107583775cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">PHYSICAL ADDRESS:<\/p>\n<\/td>\n<td style=\"width: 10.686067019400353cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"color: initial; font-size: 11pt;\">3rd Floor, 34 <\/span><span style=\"color: initial; font-size: 11pt;\">Whiteley<\/span><span style=\"color: initial; font-size: 11pt;\"> Blvd, Melrose Arch, <\/span><span style=\"color: initial; font-size: 11pt;\">Birnam<\/span><span style=\"color: initial; font-size: 11pt;\">, 2196\u00a0\u00a0\u00a0\u00a0<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 7.440917107583775cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">WEBSITE:<\/p>\n<\/td>\n<td style=\"width: 10.686067019400353cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><a href=\"https:\/\/sa.evest.com\/\">sa.evest.com<\/a><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 7.440917107583775cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Ki EMAIL ADDRESS:<\/p>\n<\/td>\n<td style=\"width: 10.686067019400353cm; vertical-align: top;\"><a href=\"mailto:wihanerasmuski@gmail.com\">wihanerasmuski@gmail.com<\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 7.440917107583775cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">TELEPHONE NUMBER:<\/p>\n<\/td>\n<td style=\"width: 10.686067019400353cm; vertical-align: top;\">\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><strong><span style=\"font-size: 9pt;\">0837759563<\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 7.440917107583775cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">FAX NUMBER:<\/p>\n<\/td>\n<td style=\"width: 10.686067019400353cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">&#8211;<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<div class=\"ol\" style=\"margin: 0;\">\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 12pt; padding-top: 0; margin-bottom: 6pt; padding-bottom: 0; line-height: 1.6; font-weight: bold; color: #8e001b; font-size: 14pt; margin-left: 21.6pt;\"><span style=\"display: inline-block; position: relative; text-indent: -21.6pt; font-size: 16pt;\">1.<\/span><span style=\"font-size: 16pt;\">Companies Legal Status<\/span><a id=\"_Toc258680537\"><\/a><a id=\"_Toc487701986\"><\/a><\/div>\n<\/div>\n<\/div>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Atriafinancial SA (Pty) Ltd (The \u201cFSP\u201d hereafter) is a Private Company registered in the Republic of South Africa under registration number. As a licensed Financial Services Provider in terms of <span style=\"font-size: 12pt;\">FAIS<\/span>, the FSP accepts responsibility for the actions of its representatives, acting within their mandates, in the rendering of financial services as defined by FAIS. Our representatives either meet the fit and proper requirements as prescribed by FAIS or operate under appropriate supervision in accordance with FAIS, and are qualified to assist you in a professional manner with your financial requirements.<\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">The FSP avails a copy of the FSCA licence for inspection by the client at its place of business. The FSP acknowledges that it does hold directly or indirectly more than 10% of the shares issued by the product supplier or an equivalent financial interest.<\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">The FSP has contractual obligations with authorised product suppliers as indicated in the documents annexed. The services or products rendered by our representatives do not have restrictions and conditions imposed by the product supplier and or FAIS Act.<\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<div class=\"ol\" style=\"margin: 0;\">\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 12pt; padding-top: 0; margin-bottom: 6pt; padding-bottom: 0; line-height: 1.6; font-weight: bold; color: #8e001b; font-size: 14pt; margin-left: 21.6pt;\"><span style=\"display: inline-block; position: relative; text-indent: -21.6pt;\">2.<\/span>Details of Key Individuals and Representatives<a id=\"_Toc258680538\"><\/a><a id=\"_Toc487701987\"><\/a><\/div>\n<\/div>\n<\/div>\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.4; font-weight: bold; color: #8e001b; font-size: 14pt;\">Key Individuals<a id=\"_Toc258680539\"><\/a><\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<table style=\"margin-left: 5.4pt;\">\n<tbody>\n<tr>\n<td style=\"width: 8.873015873015873cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; color: #ffffff; font-size: 12pt;\">NAME<\/p>\n<\/td>\n<td style=\"width: 9.063492063492063cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; color: #ffffff; font-size: 12pt;\">AUTHORISED PRODUCTS<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 8.873015873015873cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Wihan David Erasmus<\/p>\n<\/td>\n<td style=\"width: 9.063492063492063cm; vertical-align: top;\" rowspan=\"3\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">As per table 1 below<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 8.873015873015873cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 8.873015873015873cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.4; font-weight: bold; color: #8e001b; font-size: 14pt;\">Representatives<a id=\"_Toc258680540\"><\/a><\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<table style=\"margin-left: 5.4pt;\">\n<tbody>\n<tr>\n<td style=\"width: 8.649029982363317cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; color: #ffffff; font-size: 12pt;\">NAME<\/p>\n<\/td>\n<td style=\"width: 8.878306878306878cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; color: #ffffff; font-size: 12pt;\">AUTHORISED PRODUCTS<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 8.649029982363317cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Wihan David Erasmus<\/p>\n<\/td>\n<td style=\"width: 8.878306878306878cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">As per table 1 below<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 8.649029982363317cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<td style=\"width: 8.878306878306878cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div class=\"ol\" style=\"margin: 0;\">\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 12pt; padding-top: 0; margin-bottom: 6pt; padding-bottom: 0; line-height: 1.6; font-weight: bold; color: #8e001b; font-size: 14pt; margin-left: 21.6pt;\"><span style=\"display: inline-block; position: relative; text-indent: -21.6pt;\">3.<\/span>Legal status of Key Individuals and Representatives<a id=\"_Toc258680541\"><\/a><a id=\"_Toc487701988\"><\/a><\/div>\n<p style=\"text-align: left; margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.4; font-weight: bold; font-size: 12pt; margin-left: 36pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">The FSP confirms that its key individual (s) and representative(s) are mandated and entitled to render financial intermediary services to you in terms of FAIS. The Key individuals and Representatives are\/are not fulltime employees of the FSP.<\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">The representatives are not remunerated from the product supplier and hereby submit that they do not receive more than 30% of the preceding year\u2019s commission or remuneration from the Product suppliers.<\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Our Representatives do not\/may from time to time receive cash, or non-cash incentives from product suppliers in line with our conflicts of interest policy, a list of such details are recorded in a register and available at our offices for your perusal.<\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<div class=\"ol\" style=\"margin: 0;\">\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 12pt; padding-top: 0; margin-bottom: 6pt; padding-bottom: 0; line-height: 1.6; font-weight: bold; color: #8e001b; font-size: 14pt; margin-left: 21.6pt;\"><span style=\"display: inline-block; position: relative; text-indent: -21.6pt;\">4.<\/span><span style=\"font-size: 11pt;\">Complaint Handling and Compliance Queries<\/span><a id=\"_Toc258680542\"><\/a><a id=\"_Toc487701989\"><\/a><\/div>\n<p style=\"text-align: left; margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.4; font-weight: bold; font-size: 12pt; margin-left: 36pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.4; font-weight: bold; color: #8e001b; font-size: 14pt;\">Compliance Officer<\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">If you have a complaint or a compliance related query, please do not hesitate to contact our Compliance Officer:<\/p>\n<table style=\"width: 17.79541446208113cm; margin-left: 5.4pt;\">\n<tbody>\n<tr>\n<td style=\"width: 6.807760141093475cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; color: #ffffff; font-size: 12pt;\">Name:<\/p>\n<\/td>\n<td style=\"width: 10.987654320987655cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; color: #ffffff; font-size: 12pt;\">Mr Leonardo d\u2019Onofrio<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 6.807760141093475cm; vertical-align: top;\">\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"font-size: 11pt;\">Company<\/span><\/p>\n<\/td>\n<td style=\"width: 10.987654320987655cm; vertical-align: top;\">\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"font-size: 9pt;\">Oracle Compliance (Pty) Ltd<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 6.807760141093475cm; vertical-align: top;\">\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"font-size: 11pt;\">Physical Address:<\/span><\/p>\n<\/td>\n<td style=\"width: 10.987654320987655cm; vertical-align: top;\">\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"font-size: 9pt;\">3rd Floor, <\/span><\/p>\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"font-size: 9pt;\">34 Whiteley Blvd,<\/span><\/p>\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"font-size: 9pt;\"> Melrose Arch,<\/span><\/p>\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"font-size: 9pt;\">Birnam<\/span><\/p>\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"font-size: 9pt;\">Johannesburg<\/span><\/p>\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"font-size: 9pt;\">2196<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 6.807760141093475cm; vertical-align: top;\">\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"font-size: 11pt;\">Telephone:<\/span><\/p>\n<\/td>\n<td style=\"width: 10.987654320987655cm; vertical-align: top;\">\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"font-size: 9pt;\">(011) <\/span><span style=\"font-size: 9pt;\">010 0202176<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 6.807760141093475cm; vertical-align: top;\">\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"font-size: 11pt;\">Email:<\/span><\/p>\n<\/td>\n<td style=\"width: 10.987654320987655cm; vertical-align: top;\">\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><a href=\"mailto:leonardo@oraclecompliance.com\"><span style=\"text-decoration: underline; color: #505c88; font-size: 9pt;\">leonardo@oraclecompliance.com<\/span><\/a><span style=\"text-decoration: underline; color: #505c88; font-size: 9pt;\"> \/ Andrea@oraclecompliance.com<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.4; font-weight: bold; color: #8e001b; font-size: 14pt;\">FAIS Ombud<\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Should a complaint not be resolved to your satisfaction, you may forward such complaint to the Office of the FAIS Ombud for Financial Services Providers:<\/p>\n<table style=\"margin-left: 5.4pt;\">\n<tbody>\n<tr>\n<td style=\"width: 7cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; color: #ffffff; font-size: 12pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<td style=\"width: 10.936507936507937cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; color: #ffffff; font-size: 12pt;\">FAIS OMBUD<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 7cm; vertical-align: top;\">\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"font-size: 11pt;\">Physical Address:<\/span><\/p>\n<\/td>\n<td style=\"width: 10.936507936507937cm; vertical-align: top;\">\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"font-size: 9pt;\">125 Dallas Avenue <\/span><\/p>\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"font-size: 9pt;\">Menlyn<\/span><span style=\"font-size: 9pt;\"> Central,<\/span><br \/>\n<span style=\"font-size: 9pt;\">Waterkloof<\/span><span style=\"font-size: 9pt;\"> Glen, <\/span><\/p>\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"font-size: 9pt;\">Pretoria 0010<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 7cm; vertical-align: top;\">\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"font-size: 11pt;\">Postal Address:<\/span><\/p>\n<\/td>\n<td style=\"width: 10.936507936507937cm; vertical-align: top;\">\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"font-size: 9pt;\">PO Box 74571, Lynwood Ridge, 0040<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 7cm; vertical-align: top;\">\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"font-size: 11pt;\">Telephone:<\/span><\/p>\n<\/td>\n<td style=\"width: 10.936507936507937cm; vertical-align: top;\">\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"font-size: 9pt;\">\u00a0<\/span><span style=\"font-size: 9pt;\">012\u00a0762 5000\/ 012\u00a0470 9080<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 7cm; vertical-align: top;\">\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"font-size: 11pt;\">Email:<\/span><\/p>\n<\/td>\n<td style=\"width: 10.936507936507937cm; vertical-align: top;\">\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><a href=\"mailto:info@faisombud.co.za\"><span style=\"text-decoration: underline; color: #505c88; font-size: 9pt;\">info@faisombud.co.za<\/span><\/a><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Please note that, if you wish to lodge a complaint with the FAIS Ombud against the FSP or our representatives, you will need to show that you have already attempted to resolve the matter directly with the FSP first.<\/p>\n<div class=\"ol\" style=\"margin: 0;\">\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 12pt; padding-top: 0; margin-bottom: 6pt; padding-bottom: 0; line-height: 1.6; font-weight: bold; color: #8e001b; font-size: 14pt; margin-left: 21.6pt;\"><span style=\"display: inline-block; position: relative; text-indent: -21.6pt;\">5.<\/span><span style=\"font-size: 11pt;\">Other Matters of Importance<\/span><a id=\"_Toc258680543\"><\/a><a id=\"_Toc487701990\"><\/a><\/div>\n<div class=\"ol\" style=\"margin: 0;\">\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.6; font-size: 9pt; margin-left: 36pt;\"><span style=\"display: inline-block; position: relative; text-indent: -18pt;\">a.<\/span>In terms of the Financial Intelligence Centre Act, 2001 FSP is obliged to report any suspicious and unusual transactions that may facilitate money laundering.<\/div>\n<\/div>\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.6; font-size: 9pt; margin-left: 36pt;\"><span style=\"display: inline-block; position: relative; text-indent: -18pt;\">b.<\/span>It is important that you are absolutely sure that the product and transactions meet your needs and that you feel you have all the information you need before making a decision.<\/div>\n<\/div>\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.6; font-size: 9pt; margin-left: 36pt;\"><span style=\"display: inline-block; position: relative; text-indent: -18pt;\">c.<\/span>The FSP has a suitable Professional Indemnity and Fidelity Insurance Cover in place in accordance with FAIS.<\/div>\n<\/div>\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.6; font-size: 9pt; margin-left: 36pt;\"><span style=\"display: inline-block; position: relative; text-indent: -18pt;\">d.<\/span>Waiver of rights: You are hereby advised that no representatives of the provider or any other person may ask you, or offer any inducement to you, to waive any right or benefit conferred on you by or in terms of any provision of the FAIS Act. Note further that no representative has a right to enter into any contractual obligation on the client\u2019s behalf, or to restructure portfolios without the client\u2019s prior written consent.<\/div>\n<\/div>\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.6; font-size: 9pt; margin-left: 36pt;\"><span style=\"display: inline-block; position: relative; text-indent: -18pt;\">e.<\/span>The client authorises the FSP to access any relevant information required pertaining to the client to enable the FSP to adequately provide the necessary financial service or advice. Any client information obtained by our representatives shall remain confidential and shall not be disclosed to third parties unless otherwise required by a legal obligation or with your prior consent.<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<div class=\"ol\" style=\"margin: 0;\">\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 12pt; padding-top: 0; margin-bottom: 6pt; padding-bottom: 0; line-height: 1.6; font-weight: bold; color: #8e001b; font-size: 14pt; margin-left: 21.6pt;\"><span style=\"display: inline-block; position: relative; text-indent: -21.6pt;\">6.<\/span><span style=\"font-size: 11pt;\">Financial Services and Products<\/span><a id=\"_Toc258680544\"><\/a><a id=\"_Toc487701991\"><\/a><\/div>\n<\/div>\n<\/div>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Our Representatives are only authorised to provide services and advice in the product categories mentioned below only. Should the client require services outside of our licence approval, they may approach other licenced third parties authorised to render services in the desired product categories.<\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">As an Authorised Financial Services Provider, the FSP has a Category I and II license issued by the Financial Services Board in terms of FAIS, to provide advisory and or intermediary services in respect of the following financial products:<\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.4; font-weight: bold; color: #8e001b; font-size: 14pt;\">TABLE 1<\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<table>\n<tbody>\n<tr>\n<th style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/th>\n<th style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; color: #ffffff; font-size: 12pt;\">Financial Product<\/p>\n<\/th>\n<th style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; color: #ffffff; font-size: 12pt;\">Advice<\/p>\n<\/th>\n<th style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; color: #ffffff; font-size: 12pt;\">Intermediary Service<\/p>\n<\/th>\n<th style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; color: #ffffff; font-size: 12pt;\">Supervision<\/p>\n<\/th>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">CATEGORY I<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">1.5<\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Retail Pension Benefits<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">1.7<\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Pension Fund Benefits (excluding retail pension benefits)<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">1.8<\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Shares<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">1.9<\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Money market instruments<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">1.11<\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Warrants<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">1.12<\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Bonds<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">1.13<\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Derivative instruments excluding warrants<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">1.14<\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Participatory Interests in one or more Collective Investment Schemes<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">1.15<\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Forex Investment Business<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">1.17<\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Long-term Deposits<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">1.18<\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Short-term Deposits<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">1.26<\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Participatory Interest in a Hedge Fund<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">CATEGORY II &#8211; Discretionary FSP<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">2.3<\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Retail Pension Benefits<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">2.4<\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Pension Fund Benefits (excluding retail pension benefits)<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">2.5<\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Shares<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">2.6<\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Money market instruments<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">2.7<\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Debentures and securitised debt<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">2.8<\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Warrants<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">2.9<\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Bonds<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">2.10<\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Derivative instruments excluding warrants<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">2.11<\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Participatory Interests in one or more Collective Investment Schemes<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">2.13<\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Long-term Deposits<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">2.14<\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Short-term Deposits<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">2.20<\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Participatory Interest in a Hedge Fund<\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">X<\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 1.18342151675485cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<td style=\"width: 6.980599647266314cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<td style=\"width: 2.689594356261023cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<td style=\"width: 3.7019400352733687cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<td style=\"width: 3.162257495590829cm; vertical-align: top;\">\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<div class=\"ol\" style=\"margin: 0;\">\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 12pt; padding-top: 0; margin-bottom: 6pt; padding-bottom: 0; line-height: 1.6; font-weight: bold; color: #8e001b; font-size: 14pt; margin-left: 21.6pt;\"><span style=\"display: inline-block; position: relative; text-indent: -21.6pt;\">7.<\/span>Conflicts of Interest<a id=\"_Toc258680545\"><\/a><a id=\"_Toc487701992\"><\/a><\/div>\n<\/div>\n<\/div>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">In accordance with the FSP\u2019s Conflicts of Interest Management Policy, the FSP places a high priority on its clients\u2019 interests. As conflicts of interest could undermine the integrity and professionalism of the FSP and its employees, any potential or recognized instance must be identified as early as possible. Potential conflicts of interest are inherent in any business and therefore it is not the aim of the FSP to avoid all conflicts. If conflict situations cannot be avoided, the FSP will manage equitably and in the client\u2019s interest as an integral part of the FSP\u2019s duties and obligations. The FSP maintains an active Conflicts of Interest Management Policy, which is available on request.<\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<div class=\"ol\" style=\"margin: 0;\">\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 12pt; padding-top: 0; margin-bottom: 6pt; padding-bottom: 0; line-height: 1.6; font-weight: bold; color: #8e001b; font-size: 14pt; margin-left: 21.6pt;\"><span style=\"display: inline-block; position: relative; text-indent: -21.6pt;\">8.<\/span>Client <a id=\"_Toc258680546\"><\/a>Understanding &amp; Confirmation<a id=\"_Toc487701993\"><\/a><\/div>\n<div class=\"ol\" style=\"margin: 0;\">\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt; margin-left: 36pt;\"><span style=\"display: inline-block; position: relative; text-indent: -18pt;\">1.<\/span>The client agrees to provide the FSP with the necessary information and written consent required to effect the client\u2019s mandate.<\/div>\n<\/div>\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt; margin-left: 36pt;\"><span style=\"display: inline-block; position: relative; text-indent: -18pt;\">2.<\/span>The client consents to provide the FSP with any information relating to the client\u2019s change in financial circumstance to enable the FSP to make the necessary adjustments to the financial plan.<\/div>\n<\/div>\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt; margin-left: 36pt;\"><span style=\"display: inline-block; position: relative; text-indent: -18pt;\">3.<\/span>The client understands that they have an obligation to provide the FSP with accurate information, material facts or statements relating to the completion of any transaction, and that they assume the sole responsibility for any damage incurred as a result of their failure to accurately disclose information.<\/div>\n<\/div>\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt; margin-left: 36pt;\"><span style=\"display: inline-block; position: relative; text-indent: -18pt;\">4.<\/span>It shall be the sole responsibility of the client to decide whether a product or financial decision is appropriate for their needs, objectives and circumstances, should the client elect to pursue a transaction contrary to the recommendation of the FSP.<\/div>\n<\/div>\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt; margin-left: 36pt;\"><span style=\"display: inline-block; position: relative; text-indent: -18pt;\">5.<\/span>I confirm I have read this document and have received a copy of this notice.<\/div>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Company (Client) name:\u2003\u2003_____________________________________________<\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Signature:\u2003\u2003\u2003\u2003_____________________________________________<\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\">Title \/ Name:\u2003\u2003\u2003\u2003\u2003\u2003_____________________________________________<\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<p style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 10pt; padding-bottom: 0; line-height: 1.4; font-size: 9pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\">Date:<\/p>\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n<p style=\"margin-top: 0pt; padding-top: 0; margin-bottom: 0pt; padding-bottom: 0; line-height: 1.2; font-size: 12pt;\"><span style=\"display: inline-block; height: 1em;\"><span style=\"display: none;\">.<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; &nbsp; &nbsp; FAIS UPFRONT DISCLOSURE ATRIAFINANCIAL SA (PTY) LTD. &nbsp; &nbsp; &nbsp; 1.\u2003\u2003Companies Legal Status 2.\u2003\u2003Details of Key Individuals and Representatives 3.\u2003\u2003Legal status of Key Individuals and Representatives 4.\u2003\u2003Complaint Handling and Compliance Queries 5.\u2003\u2003Other Matters of Importance 6.\u2003\u2003Financial Services and Products 7.\u2003\u2003Conflicts of Interest 8.\u2003\u2003Client Understanding &amp; Confirmation . . . . NAME: ATRIAFINANCIAL [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,7],"tags":[],"class_list":["post-267","post","type-post","status-publish","format-standard","hentry","category-en","category-sa"],"_links":{"self":[{"href":"https:\/\/legal.evest.com\/index.php\/wp-json\/wp\/v2\/posts\/267","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/legal.evest.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/legal.evest.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/legal.evest.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/legal.evest.com\/index.php\/wp-json\/wp\/v2\/comments?post=267"}],"version-history":[{"count":9,"href":"https:\/\/legal.evest.com\/index.php\/wp-json\/wp\/v2\/posts\/267\/revisions"}],"predecessor-version":[{"id":962,"href":"https:\/\/legal.evest.com\/index.php\/wp-json\/wp\/v2\/posts\/267\/revisions\/962"}],"wp:attachment":[{"href":"https:\/\/legal.evest.com\/index.php\/wp-json\/wp\/v2\/media?parent=267"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/legal.evest.com\/index.php\/wp-json\/wp\/v2\/categories?post=267"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/legal.evest.com\/index.php\/wp-json\/wp\/v2\/tags?post=267"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}