FSP Disclosure

Name: Lebo Grass Physical Address: Sandton Corporate Woods, Johannesburg, 2196 Email: advisory@lebogrss.co.za Telephone: +27 11 000 0000 Status: Authorised Financial Services Provider Regulatory Authority: Financial Sector Conduct Authority (FSCA), Republic of South Africa

Lebo Grass is an authorised financial services provider as defined in the Financial Advisory and Intermediary Services Act 37 of 2002 ("FAIS Act"). This disclosure is made in compliance with the General Code of Conduct for Authorised Financial Services Providers and Representatives, as published under Board Notice 80 of 2003, as amended.

Clients and prospective clients are encouraged to verify our authorisation status with the FSCA by visiting www.fsca.co.za or by contacting the FSCA directly.

Lebo Grass provides the following categories of services:

(a) Financial Coaching: Educational coaching services designed to improve financial literacy, including budgeting, debt management, savings strategies, and wealth-building principles. Financial coaching is educational in nature and does not constitute financial advice as defined under the FAIS Act, unless explicitly provided under a separate written advisory agreement.

(b) Property Investment Education: Educational content and guidance on property investment strategies within the South African market, including the KPIPA Masterclass programme. This education is intended to empower clients with knowledge and does not constitute specific investment recommendations.

(c) Financial Advisory Services: Where Lebo Grass provides financial advice as defined under the FAIS Act, such advice is provided by duly authorised representatives who are registered with the FSCA and who meet the competency and fit and proper requirements prescribed by the FSCA.

Clients should be aware of the distinction between educational coaching (which does not constitute financial advice under the FAIS Act) and regulated financial advisory services (which are subject to the full protections and requirements of the FAIS Act). Where financial advice is provided, a formal advisory agreement will be entered into, and the client will be furnished with a record of advice in compliance with the FAIS Act.

Lebo Grass is committed to full compliance with the FAIS Act, the General Code of Conduct for Authorised Financial Services Providers, and all applicable regulatory requirements issued by the FSCA.

Our compliance framework includes:

(a) Appointment of a compliance officer responsible for monitoring and ensuring compliance with all applicable legislation and regulatory requirements.

(b) Implementation of policies and procedures designed to ensure that all financial services are rendered honestly, fairly, with due skill, care, and diligence, and in the interests of clients and the integrity of the financial services industry.

(c) Ongoing training and development of representatives to ensure they meet the fit and proper requirements prescribed by the FSCA, including honesty and integrity, competence, continuous professional development, and operational ability requirements.

(d) Maintenance of accurate and up-to-date records of all financial services rendered, advice given, and transactions executed on behalf of clients.

(e) Regular internal compliance audits and reviews to identify and address any areas of non-compliance or potential risk.

(f) Treating Customers Fairly ("TCF") principles are embedded in our business culture and operations, ensuring that fair treatment of clients is central to everything we do.

Lebo Grass is committed to resolving any complaints or concerns promptly, fairly, and transparently. If you are dissatisfied with any aspect of our Services, we encourage you to follow the complaints procedure outlined below.

Step 1: Internal Complaint Submit your complaint in writing to our Information Officer at advisory@lebogrss.co.za or by post to Sandton Corporate Woods, Johannesburg, 2196. Your complaint should include your full name, contact details, a detailed description of the complaint, the date(s) on which the events giving rise to the complaint occurred, and the outcome you are seeking.

Step 2: Acknowledgement We will acknowledge receipt of your complaint within three (3) business days and assign a reference number for tracking purposes.

Step 3: Investigation and Resolution We will investigate your complaint thoroughly and provide you with a written response within fifteen (15) business days of receipt. If the investigation requires additional time, we will notify you of the expected timeframe.

Step 4: Escalation If you are not satisfied with our response, you may escalate the matter to the FAIS Ombud:

FAIS Ombud P.O. Box 74571, Lynnwood Ridge, 0040 Telephone: 012 762 5000 Fax: 012 348 3447 Email: info@faisombud.co.za Website: www.faisombud.co.za

The FAIS Ombud has jurisdiction to investigate and resolve complaints against financial services providers in terms of the FAIS Act. A complaint must be lodged with the FAIS Ombud within six (6) months of receiving the final response from Lebo Grass, unless the Ombud grants an extension.

For complaints not related to financial services, you may also approach the National Consumer Commission or the Consumer Goods and Services Ombud.

Lebo Grass maintains a comprehensive conflict of interest management policy in accordance with the FAIS Act and the General Code of Conduct. We are committed to identifying, managing, mitigating, and where possible, avoiding conflicts of interest that may arise in the course of rendering financial services.

Our conflict of interest policy addresses the following:

(a) Identification: We have procedures in place to identify actual and potential conflicts of interest between Lebo Grass and its clients, between different clients, and between Lebo Grass and its representatives.

(b) Disclosure: Where a conflict of interest cannot be avoided, we will disclose the nature and extent of the conflict to the affected client in writing before rendering the financial service, allowing the client to make an informed decision.

(c) Management: We implement appropriate measures to manage conflicts of interest, including information barriers, segregation of duties, and restrictions on personal trading.

(d) Third-Party Compensation: We will disclose any fees, commissions, or other financial benefits received from third parties in connection with the financial services rendered to you.

(e) Gifts and Incentives: We do not accept or offer gifts, inducements, or incentives that could compromise our objectivity or create an obligation that may conflict with our duty to act in the best interests of our clients.

(f) Record Keeping: We maintain records of all identified conflicts of interest and the measures taken to manage them.

A copy of our full conflict of interest management policy is available upon request from our Information Officer.

In compliance with the FAIS Act and the requirements of the FSCA, Lebo Grass maintains professional indemnity insurance cover that is adequate and appropriate to cover any liability that may arise from the rendering of financial services.

Our professional indemnity insurance provides cover for claims arising from:

(a) Negligence, errors, or omissions in the rendering of financial services.

(b) Loss of documents or data.

(c) Dishonesty or fraud by employees or representatives.

(d) Defamation arising from the rendering of financial services.

The professional indemnity insurance is maintained with a reputable insurer registered in terms of the Insurance Act 18 of 2017. Details of our professional indemnity cover are available upon request from our Information Officer.

Clients should note that professional indemnity insurance covers claims arising from the rendering of regulated financial services. Claims arising from educational coaching services that do not constitute financial advice under the FAIS Act may not be covered under this policy.

When Lebo Grass provides financial advice as defined under the FAIS Act, a record of advice will be furnished to the client in accordance with Section 9 of the General Code of Conduct. The record of advice will include:

(a) A summary of the information and material on which the advice was based.

(b) The financial products considered and the basis on which each was considered.

(c) The financial product or products recommended, with an explanation of why the product or products were recommended.

(d) The fees, charges, and commissions payable in connection with the financial products recommended.

(e) Any risks or limitations associated with the recommended financial products.

(f) Any disclosures required in terms of the FAIS Act, including conflicts of interest.

Clients are advised to retain copies of all records of advice and to review them carefully. If you have not received a record of advice following a financial advisory engagement, please contact us immediately at advisory@lebogrss.co.za.

In terms of the FAIS Act and the General Code of Conduct, clients are classified into different categories that determine the level of regulatory protection applicable to them. The primary classifications are:

(a) Retail Client: An individual or entity that does not qualify as a professional or institutional client. Retail clients receive the highest level of regulatory protection, including comprehensive disclosure, suitability assessments, and detailed records of advice.

(b) Professional Client: A client who has the requisite experience and expertise to understand the risks involved in a particular transaction or type of transaction. Professional clients may waive certain protections applicable to retail clients.

Unless otherwise agreed in writing, all individual clients of Lebo Grass are classified as retail clients and will receive the full protections afforded under the FAIS Act and the General Code of Conduct.

You have the right to request a different classification, subject to meeting the criteria prescribed by the FSCA. Any change in classification will be documented in writing.

Lebo Grass is regulated by the Financial Sector Conduct Authority (FSCA). The following regulatory bodies and dispute resolution forums are relevant to our Services:

(a) Financial Sector Conduct Authority (FSCA) Physical Address: Riverwalk Office Park, Block B, 41 Matroosberg Road, Ashlea Gardens, Pretoria Postal Address: P.O. Box 35655, Menlo Park, 0102 Telephone: 012 428 8000 Email: info@fsca.co.za Website: www.fsca.co.za

(b) FAIS Ombud Physical Address: Sussex Office Park, Ground Floor, Block B, 473 Lynnwood Road, Lynnwood Postal Address: P.O. Box 74571, Lynnwood Ridge, 0040 Telephone: 012 762 5000 Email: info@faisombud.co.za Website: www.faisombud.co.za

(c) Information Regulator (South Africa) Physical Address: JD House, 27 Stiemens Street, Braamfontein, Johannesburg, 2001 Postal Address: P.O. Box 31533, Braamfontein, Johannesburg, 2017 Telephone: 010 023 5207 Email: enquiries@inforegulator.org.za Website: www.justice.gov.za/inforeg

(d) National Consumer Commission Physical Address: Salu Building, 267 Lillian Ngoyi Street, Pretoria Postal Address: Private Bag X84, Pretoria, 0001 Telephone: 012 428 7000 Website: www.thencc.gov.za

This FSP Disclosure document is provided for informational purposes and in compliance with the FAIS Act and the General Code of Conduct. It does not constitute financial advice or an offer to provide financial services.

Lebo Grass shall not be liable for any loss or damage arising from the use of information contained in this disclosure, except to the extent that such liability cannot be excluded under the laws of the Republic of South Africa.

Clients are reminded that investments carry inherent risks, including the risk of capital loss. The value of investments may fluctuate, and past performance is not indicative of future results. Clients should not invest money they cannot afford to lose and should seek independent financial advice before making investment decisions.

All information in this disclosure is current as of the date indicated above. Lebo Grass reserves the right to update this disclosure from time to time. Clients and prospective clients are encouraged to request the most current version of this disclosure before engaging our Services.

For any queries relating to this disclosure, please contact us at advisory@lebogrss.co.za or +27 11 000 0000.