Common use of FINANCIAL ADVISORY AND INTERMEDIARY SERVICES Clause in Contracts

FINANCIAL ADVISORY AND INTERMEDIARY SERVICES. ACT 37 OF 2002 “FAIS” – REGULATORY DISCLOSURES About the Financial Service Provider “FSP” Full name, registration number and FSP Number. First National Bank (“FNB”), a division of FirstRand Bank Limited Registration No. 1929/001225/06. FSP No. 3071 Physical and Postal Address 6th Floor, 0 Xxxxx Xxxxx, Xxxxxxxx Xxxxxx, Bankcity, 2001 P O Box 1153, Johannesburg, 2000 Contact details for general enquiries Tel – 0000 00 00 00/ +00 00 000 0000 (International) website- xxx.xxx.xx.xx Compliance officer Tel – 000 000 0000 Fax – 000 000 0000 Complaints Tel – 0000 00 00 00 Fax - (000) 000 0000 Email – xxxx@xxx.xx.xx ▪ FNB is approved as a FAIS Category I, II and III licensee. FNB is duly authorized by the Financial Services Board to provide FAIS financial services in respect of the following financial products: ▪ Category I – Advice and Intermediary Services: o Long-Term Insurance Categories A, B1,B2 and C; Short-Term Insurance - Personal Commercial Lines; Long and Short Term Deposits, Pension Fund Benefits, Securities and Instruments: shares, money market, debentures and securitized debts, warrants, certificates and other instruments acknowledging debt, bonds, derivative instruments, participatory interest in Collective investment scheme, foreign currency denominated investments instrument, friendly society benefits ▪ Category II – intermediary services: o Securities and Instruments: shares, money market, debentures and securitized debts, warrants, certificates and other instruments acknowledging debt, bonds, derivative instruments, participatory interest in Collective investment scheme, foreign currency denominated investments instrument. ▪ Category III – intermediary services: o Securities and Instruments - Shares FNB does hereby declare the following: ▪ FNB holds no financial interest in the product supplier, being “FNB Life”. ▪ FNB does hold prescribed professional indemnity insurance. ▪ FNB earns commission and/or remuneration, in accordance with the Long Term and Short Term Insurance Acts. ▪ It has a written mandate to act for the product supplier, being “FNB Life. ▪ The product supplier’s products are provided under a contractual agreement between the product supplier and FNB. ▪ FNB takes responsibility for the actions of its authorized representatives insofar as they are providing financial services (some of whom may be providing FAIS financial services under supervision). ▪ About the Product Supplier Full name, registration number and FSP number FNB Life, a division of Momentum Group Limited (“FNB Life”). Registration No. 1904/002186/06. FSP number: 6406 Physical and Postal Address 000(X) Xxxx Xxxxxx, Xxxxxxxxx, 0000 X X Xxx 0000, Xxxxxxxxx, 0000 Contact details for enquiries Tel – 0000 000 000 Fax – 000 000 0000 Email – xxxxxxxxxxxxxxx@xxxxxxxxxxxx.xx.xx Compliance officer Tel – 000 000 0000 Fax – 0000 000 000 Complaints Tel – 0000 000 000 Fax – 000 000 0000 Email – xxxxxxxxxxxxxxx@xxxxxxxxxxxx.xx.xx ▪ FNB Life is approved as a FAIS Category 1 and IV licensee. FNB Life is duly authorized by the Financial Services Board to provide financial services in respect of the following financial products ▪ Category I – Advice and Intermediary Services: o Long Term Insurance categories A, B1, B2 and C o Short-Term Insurance – Personal and Commercial Lines; Short term Deposits, Pension Fund Benefits, o Securities and Instruments – shares, money market instruments derivative instruments, Participatory interest in Collective investment schemes, Health service benefits. ▪ Category IV – Advice and Intermediary Services: o Long-term Insurance Category A. ▪ FNB Life does hereby declare that its products are provided by FNB to FNB customers under an agreement between it and FNB. ▪ The contact details of the FAIS Ombud are published on our website at xxx.xxx.xx.xx and in our product terms and conditions. You can also contact us on 0000 00 00 00 to get this information. You can request assistance from the Ombud if you believe that your complaint has not been resolved satisfactorily by us with 6 weeks of lodging your complaint. You need to refer the dispute to the Ombud within 6 months of the issue remaining unresolved with FNB.

FINANCIAL ADVISORY AND INTERMEDIARY SERVICES. ACT 37 OF 2002 “FAIS” – REGULATORY DISCLOSURES About the Financial Service Provider “FSP” Full name, registration number and FSP Number. First National Bank (“FNB”), a division of FirstRand Bank Limited Registration No. 1929/001225/06. FSP No. 3071 Physical and Postal Address 6th Floor, 0 Xxxxx Xxxxx, Xxxxxxxx Xxxxxx, BankcityBank city, 2001 P O Box 1153, Johannesburg, 2000 Contact details for general enquiries Tel – 0000 00 00 00/ +00 00 000 0000 (International) website- Website – xxx.xxx.xx.xx Compliance officer Tel – 000 000 0000 Fax – 000 000 0000 Complaints Tel – 0000 00 00 00 Fax - (000) 000 0000 Email – xxxx@xxx.xx.xx ▪ FNB is approved as a FAIS Category I, II and III licensee. FNB is duly authorized by the Financial Services Board to provide FAIS financial services in respect of the following financial products: ▪ Category I – Advice and Intermediary Services: o Long-Term Insurance Categories A, B1,B2 and C; Short-Term Insurance - Personal Commercial Lines; Long and Short Term Deposits, Pension Fund Benefits, Securities and Instruments: shares, money market, debentures and securitized debts, warrants, certificates and other instruments acknowledging debt, bonds, derivative instruments, participatory interest in Collective investment scheme, foreign currency denominated investments instrument, friendly society benefits ▪ Category II – intermediary services: o Securities and Instruments: shares, money market, debentures and securitized debts, warrants, certificates and other instruments acknowledging debt, bonds, derivative instruments, participatory interest in Collective investment scheme, foreign currency denominated investments instrument. ▪ Category III – intermediary services: o Securities and Instruments - Shares FNB does hereby declare the following: ▪ FNB holds no financial interest in the product supplier, being “FNB Life”. ▪ FNB does hold prescribed professional indemnity insurance. ▪ FNB earns commission and/or remuneration, in accordance with the Long Term and Short Term Insurance Acts. ▪ It has a written mandate to act for the product supplier, being “FNB Life. ▪ The product supplier’s products are provided under a contractual agreement between the product supplier and FNB. ▪ FNB takes responsibility for the actions of its authorized representatives insofar as they are providing financial services (some of whom may be providing FAIS financial services under supervision). ▪ About the Product Supplier Full name, registration number and FSP number FNB Life, a division of Momentum Group Limited (“FNB Life”). Registration No. 1904/002186/06. number FSP number: 6406 Physical and Postal Address 000(X) Xxxx Xxxxxx, Xxxxxxxxx, 0000 X X Xxx 0000, Xxxxxxxxx, 0000 Contact details for enquiries Tel – 0000 000 000 Fax – 000 000 0000 Email – xxxxxxxxxxxxxxx@xxxxxxxxxxxx.xx.xx Compliance officer Tel – 000 000 0000 Fax – 0000 000 000 Complaints Tel – 0000 000 000 Fax – 000 000 0000 Email – xxxxxxxxxxxxxxx@xxxxxxxxxxxx.xx.xx ▪ FNB Life is approved as a FAIS Category 1 and IV licensee. FNB Life is duly authorized by the Financial Services Board to provide financial services in respect of the following financial products ▪ Category I – Advice and Intermediary Services: o Long Term Insurance categories A, B1, B2 and C o Short-Term Insurance – Personal and Commercial Lines; Short term Deposits, Pension Fund Benefits, o Securities and Instruments – shares, money market instruments derivative instruments, Participatory interest in Collective investment schemes, Health service benefits. ▪ Category IV – Advice and Intermediary Services: o Long-term Insurance Category A. ▪ FNB Life does hereby declare that its products are provided by FNB to FNB customers under an agreement between it and FNB. ▪ The contact details of the FAIS Ombud are published on our website at xxx.xxx.xx.xx and in our product terms and conditions. You can also contact us on 0000 00 00 00 to get this information. You can request assistance from the Ombud if you believe that your complaint has not been resolved satisfactorily by us with 6 weeks of lodging your complaint. You need to refer the dispute to the Ombud within 6 months of the issue remaining unresolved with FNB.

FINANCIAL ADVISORY AND INTERMEDIARY SERVICES. ACT 37 OF 2002 “FAIS” – REGULATORY DISCLOSURES About the Financial Service Provider “FSP” Full name, registration number and FSP Number. First National Bank (“FNB”), a division of FirstRand Bank Limited Registration No. 1929/001225/06. FSP No. 3071 Physical and Postal Address 6th Floor, 0 Xxxxx Xxxxx, Xxxxxxxx Xxxxxx, Bankcity, 2001 P O Box 1153, Johannesburg, 2000 Contact details for general enquiries Tel – 0000 00 00 00/ +00 00 000 0000 (International) website- xxx.xxx.xx.xx Compliance officer Tel – 000 000 0000 Fax – 000 000 0000 Complaints Tel – 0000 00 00 00 Fax - (000) 000 0000 Email – xxxx@xxx.xx.xx ▪  FNB is approved as a FAIS Category I, II and III licensee. FNB is duly authorized by the Financial Services Board to provide FAIS financial services in respect of the following financial products: ▪  Category I – Advice and Intermediary Services: o Long-Term Insurance Categories A, B1,B2 and C; Short-Term Insurance - Personal Commercial Lines; Long and Short Term Deposits, Pension Fund Benefits, Securities and Instruments: shares, money market, debentures and securitized debts, warrants, certificates and other instruments acknowledging debt, bonds, derivative instruments, participatory interest in Collective investment scheme, foreign currency denominated investments instrument, friendly society benefits ▪  Category II – intermediary services: o Securities and Instruments: shares, money market, debentures and securitized debts, warrants, certificates and other instruments acknowledging debt, bonds, derivative instruments, participatory interest in Collective investment scheme, foreign currency denominated investments instrument. ▪  Category III – intermediary services: o Securities and Instruments - Shares FNB does hereby declare the following: ▪  FNB holds no financial interest in the product supplier, being “FNB Life”. ▪  FNB does hold prescribed professional indemnity insurance. ▪  FNB earns commission and/or remuneration, in accordance with the Long Term and Short Term Insurance Acts. ▪  It has a written mandate to act for the product supplier, being “FNB Life. ▪  The product supplier’s products are provided under a contractual agreement between the product supplier and FNB. ▪  FNB takes responsibility for the actions of its authorized representatives insofar as they are providing financial services (some of whom may be providing FAIS financial services under supervision). ▪  About the Product Supplier Full name, registration number and FSP number FNB Life, a division of Momentum Group Limited (“FNB Life”). Registration No. 1904/002186/06. FSP number: 6406 Physical and Postal Address 000(X) Xxxx Xxxxxx, Xxxxxxxxx, 0000 X X Xxx 0000, Xxxxxxxxx, 0000 Contact details for enquiries Tel – 0000 000 000 Fax – 000 000 0000 Email – xxxxxxxxxxxxxxx@xxxxxxxxxxxx.xx.xx Compliance officer Tel – 000 000 0000 Fax – 0000 000 000 Complaints Tel – 0000 000 000 Fax – 000 000 0000 Email – xxxxxxxxxxxxxxx@xxxxxxxxxxxx.xx.xx ▪  FNB Life is approved as a FAIS Category 1 and IV licensee. FNB Life is duly authorized by the Financial Services Board to provide financial services in respect of the following financial products ▪  Category I – Advice and Intermediary Services: o Long Term Insurance categories A, B1, B2 and C o Short-Term Insurance – Personal and Commercial Lines; Short term Deposits, Pension Fund Benefits, o Securities and Instruments – shares, money market instruments derivative instruments, Participatory interest in Collective investment schemes, Health service benefits. ▪  Category IV – Advice and Intermediary Services: o Long-term Insurance Category A. ▪  FNB Life does hereby declare that its products are provided by FNB to FNB customers under an agreement between it and FNB. ▪  The contact details of the FAIS Ombud are published on our website at xxx.xxx.xx.xx and in our product terms and conditions. You can also contact us on 0000 00 00 00 to get this information. You can request assistance from the Ombud if you believe that your complaint has not been resolved satisfactorily by us with 6 weeks of lodging your complaint. You need to refer the dispute to the Ombud within 6 months of the issue remaining unresolved with FNB.

FINANCIAL ADVISORY AND INTERMEDIARY SERVICES. ACT 37 OF 2002 “FAIS” – REGULATORY DISCLOSURES About the Financial Service Provider “FSP” Full name, registration number and FSP Number. First National Bank (“FNB”), a division of FirstRand Bank Limited Registration No. 1929/001225/06. FSP No. 3071 Physical and Postal Address 6th Floor, 0 Xxxxx Xxxxx, Xxxxxxxx Xxxxxx, BankcityBank city, 2001 P O Box 1153, Johannesburg, 2000 Contact details for general enquiries Tel – 0000 00 00 00/ +00 00 000 0000 (International) website- xxx.xxx.xx.xx Compliance officer Tel – 000 000 0000 Fax – 000 000 0000 Complaints Tel – 0000 00 00 00 Fax - (000) 000 0000 Email – xxxx@xxx.xx.xx ▪ FNB is approved as a FAIS Category I, II and III licensee. FNB is duly authorized by the Financial Services Board to provide FAIS financial services in respect of the following financial products: ▪ Category I – Advice and Intermediary Services: o Long-Term Insurance Categories A, B1,B2 and C; Short-Term Insurance - Personal Commercial Lines; Long and Short Term Deposits, Pension Fund Benefits, Securities and Instruments: shares, money market, debentures and securitized debts, warrants, certificates and other instruments acknowledging debt, bonds, derivative instruments, participatory interest in Collective investment scheme, foreign currency denominated investments instrument, friendly society benefits ▪ Category II – intermediary services: o Securities and Instruments: shares, money market, debentures and securitized debts, warrants, certificates and other instruments acknowledging debt, bonds, derivative instruments, participatory interest in Collective investment scheme, foreign currency denominated investments instrument. ▪ Category III – intermediary services: o Securities and Instruments - Shares FNB does hereby declare the following: ▪ FNB holds no financial interest in the product supplier, being “FNB Life”. ▪ FNB does hold prescribed professional indemnity insurance. ▪ FNB earns commission and/or remuneration, in accordance with the Long Term and Short Term Insurance Acts. ▪ It has a written mandate to act for the product supplier, being “FNB Life. ▪ The product supplier’s products are provided under a contractual agreement between the product supplier and FNB. ▪ FNB takes responsibility for the actions of its authorized representatives insofar as they are providing financial services (some of whom may be providing FAIS financial services under supervision). ▪ About the Product Supplier Full name, registration number and FSP number FNB Life, a division of Momentum Group Limited (“FNB Life”). Registration No. 1904/002186/06. number FSP number: 6406 Physical and Postal Address 000(X) Xxxx Xxxxxx, Xxxxxxxxx, 0000 X X Xxx 0000, Xxxxxxxxx, 0000 Contact details for enquiries Tel – 0000 000 000 Fax – 000 000 0000 Email – xxxxxxxxxxxxxxx@xxxxxxxxxxxx.xx.xx Compliance officer Tel – 000 000 0000 Fax – 0000 000 000 Complaints Tel – 0000 000 000 Fax – 000 000 0000 Email – xxxxxxxxxxxxxxx@xxxxxxxxxxxx.xx.xx ▪ FNB Life is approved as a FAIS Category 1 and IV licensee. FNB Life is duly authorized by the Financial Services Board to provide financial services in respect of the following financial products ▪ Category I – Advice and Intermediary Services: o Long Term Insurance categories A, B1, B2 and C o Short-Term Insurance – Personal and Commercial Lines; Short term Deposits, Pension Fund Benefits, o Securities and Instruments – shares, money market instruments derivative instruments, Participatory interest in Collective investment schemes, Health service benefits. ▪ Category IV – Advice and Intermediary Services: o Long-term Insurance Category A. ▪ FNB Life does hereby declare that its products are provided by FNB to FNB customers under an agreement between it and FNB. ▪ The contact details of the FAIS Ombud are published on our website at xxx.xxx.xx.xx and in our product terms and conditions. You can also contact us on 0000 00 00 00 to get this information. You can request assistance from the Ombud if you believe that your complaint has not been resolved satisfactorily by us with 6 weeks of lodging your complaint. You need to refer the dispute to the Ombud within 6 months of the issue remaining unresolved with FNB.

FINANCIAL ADVISORY AND INTERMEDIARY SERVICES. ACT 37 OF 2002 “FAIS” – REGULATORY DISCLOSURES About the Financial Service Provider “FSP” Full name, registration number and FSP Number. First National Bank (“FNB”), a division of FirstRand Bank Limited Registration No. 1929/001225/06. FSP No. 3071 Physical and Postal Address 6th Floor, 0 Xxxxx Xxxxx, Xxxxxxxx Xxxxxx, Bankcity, 2001 P O Box 1153, Johannesburg, 2000 Contact details for general enquiries Tel – 0000 00 00 00/ +00 00 000 0000 (International) website- xxx.xxx.xx.xx Compliance officer Tel – 000 000 0000 Fax – 000 000 0000 Complaints Tel – 0000 00 00 00 Fax - (000) 000 0000 Email – xxxx@xxx.xx.xx ▪ FNB is approved as a FAIS Category I, II and III licensee. FNB is duly authorized by the Financial Services Board to provide FAIS financial services in respect of the following financial products: ▪ Category I – Advice and Intermediary Services: o Long-Term Insurance Categories A, B1,B2 and C; Short-Term Insurance - Personal Commercial Lines; Long and Short Term Deposits, Pension Fund Benefits, Securities and Instruments: shares, money market, debentures and securitized debts, warrants, certificates and other instruments acknowledging debt, bonds, derivative instruments, participatory interest in Collective investment scheme, foreign currency denominated investments instrument, friendly society benefits ▪ Category II – intermediary services: o Securities and Instruments: shares, money market, debentures and securitized debts, warrants, certificates and other instruments acknowledging debt, bonds, derivative instruments, participatory interest in Collective investment scheme, foreign currency denominated investments instrument. ▪ Category III – intermediary services: o Securities and Instruments - Shares FNB does hereby declare the following: ▪ FNB holds no financial interest in the product supplier, being “FNB Life”. ▪ FNB does hold prescribed professional indemnity insurance. ▪ FNB earns commission and/or remuneration, in accordance with the Long Term and Short Term Insurance Acts. ▪ It has a written mandate to act for the product supplier, being “FNB Life. ▪ The product supplier’s products are provided under a contractual agreement between the product supplier and FNB. ▪ FNB takes responsibility for the actions of its authorized representatives insofar as they are providing financial services (some of whom may be providing FAIS financial services under supervision). ▪ About the Product Supplier Full name, registration number and FSP number FNB Life, a division of Momentum Group Limited (“FNB Life”). Registration No. 1904/002186/06. number FSP number: 6406 Physical and Postal Address 000(X) Xxxx Xxxxxx, Xxxxxxxxx, 0000 X X Xxx 0000, Xxxxxxxxx, 0000 Contact details for enquiries Tel – 0000 000 000 Fax – 000 000 0000 Email – xxxxxxxxxxxxxxx@xxxxxxxxxxxx.xx.xx Compliance officer Tel – 000 000 0000 Fax – 0000 000 000 Complaints Tel – 0000 000 000 Fax – 000 000 0000 Email – xxxxxxxxxxxxxxx@xxxxxxxxxxxx.xx.xx ▪ FNB Life is approved as a FAIS Category 1 and IV licensee. FNB Life is duly authorized by the Financial Services Board to provide financial services in respect of the following financial products ▪ Category I – Advice and Intermediary Services: o Long Term Insurance categories A, B1, B2 and C o Short-Term Insurance – Personal and Commercial Lines; Short term Deposits, Pension Fund Benefits, o Securities and Instruments – shares, money market instruments derivative instruments, Participatory interest in Collective investment schemes, Health service benefits. ▪ Category IV – Advice and Intermediary Services: o Long-term Insurance Category A. ▪ FNB Life does hereby declare that its products are provided by FNB to FNB customers under an agreement between it and FNB. ▪ The contact details of the FAIS Ombud are published on our website at xxx.xxx.xx.xx and in our product terms and conditions. You can also contact us on 0000 00 00 00 to get this information. You can request assistance from the Ombud if you believe that your complaint has not been resolved satisfactorily by us with 6 weeks of lodging your complaint. You need to refer the dispute to the Ombud within 6 months of the issue remaining unresolved with FNB.