Financial Advisory and Intermediary Services Act. This Act controls the activities of anybody who gives advice or provides intermediary services to investors about certain financial products. It requires that such persons be licensed and that professional behavior be controlled through codes of conduct.

Financial Advisory and Intermediary Services Act. This act applies to any advice given in relation to this investment. It also governs any form of intermediary services between you and Xxxxx Xxxx. CONTACT DETAILS

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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. RMB Private Bank a division of FirstRand Bank Limited. Registration No. 1929/001225/06. FSP No. 3071, FSP No. 624, FSP No. 3075, FSP No. 20081. 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) Please visit the RMB PB website :xxx.xxxxxxxxxxxxxx.xxx Compliance officer XxxxxxXXXX@xxx.xx.xx Complaints Tel – 000 000 0000 Email – xxxx@xxx.xx.xx App – “Have your say” under the Information icon ▪ RMB Private Bank products are offered under FSP 624 which is the FNB Premium license. Reference is therefore made to FNB as the FSP license holder. ▪ FNB’s FSPs are approved as a FAIS Category I, and/or II and/or III licensees. FNB is authorized by the Financial Sector Conduct Authority (FSCA) to provide FAIS financial services under the abovementioned licence categories. For a full list of product sub-categories and conditions and restrictions applicable to the above FSPs, please go to xxxxx://xxx.xxxx.xx.xx/Fais/Search_FSP.htm. FNB confirms the following: ▪ FNB holds the prescribed professional indemnity insurance. ▪ There is an agreement between FNB and the insurer to sell and service this product and FNB receives a fee for doing this. ▪ FNB holds relationships with the FirstRand group of companies and external product suppliers, more details will be provided at product take up. ▪ 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). ▪ 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 000 000 0000 to get this information. You can request assistance from the Ombud if you believe that your complaint has not been resolved satisfactorily by us within 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. ▪ FNB is a Financial Services Provider in terms s3A(2)(a) of the FAIS General Code of Conduct and is required to have a Conflict of Interest Policy. A copy of the FirstRand FAIS Conflict of Interest Policy, that also covers these FSPs, can be found on the Firs...

Financial Advisory and Intermediary Services Act. This act applies to any advice given relating to this investment. It also governs any form of intermediary services between you and the Administrator. CONTACT DETAILS Administrator: Xxxxx Xxxx Investment Services Proprietary Limited (Registration number: 2004/015145/07) Postal and physical addresses of the head office and contact details of the Client Service Centre: Physical address: 0 Xxxx Xxxxxx V&A Waterfront Cape Town 8001 T: 0860 000 654 or +00 (0)00 000 0000 F: 0860 000 655 or +00 (0)00 000 0000 Postal address: P O Box 51605 V&A Waterfront Cape Town 8002 E: xxxx@xxxxxxxxx.xx.xx W: xxx.xxxxxxxxx.xx.xx COMPLAINTS If you are not satisfied with this investment or the services from the Administrator, you can write to the compliance officer at the address above. Remember to include all supporting documents. The Administrator will acknowledge the complaint in writing and will inform you of the contact details of the person who should be able to resolve it. If you are not satisfied with the response from the Administrator or the compliance officer, or if you have a complaint about the advice given by a financial adviser in respect of this investment, you can write to the Ombud for Financial Services Providers. The Ombud has the legal power to investigate and give a ruling on a complaint in a fair, economical and prompt manner. Postal address: The Ombud for Financial Services Providers P O Box 74571, Lynnwood Ridge 0040 Toll-free: 0860 324 766 E: xxxx@xxxxxxxxx.xx.xx 0 Xxxx Xxxxxx V&A Waterfront Cape Town 8001 South Africa P O Box 51605 V&A Waterfront Cape Town 8002 South Africa Client Service Centre T 0860 000 654 or +00 (0)00 000 0000 F 0860 000 655 or +00 (0)00 000 0000 E xxxx@xxxxxxxxx.xx.xx

Financial Advisory and Intermediary Services Act. This act applies to any advice given relating to this investment. It also governs any form of intermediary services between you and the Administrator. UNCLAIMED ASSETS Xxxxx Xxxx may determine that your Investment Account is an unclaimed asset following a trigger event, which may include your investment remaining dormant, or Xxxxx Xxxx being unable to contact you or your beneficiary(s) using contact details on record. Xxxxx Xxxx may appoint tracing agents or similar third-party service providers to locate you or your beneficiary(s). Your Investment Account will only be considered an unclaimed asset after a reasonable period has passed, but not more than three years following the trigger event. Any attempts to locate you or your beneficiary(s) may require the processing of your personal information. Any reasonable costs incurred in attempting to locate you or your beneficiary(s) may be deducted from the value of your Investment Account on an ongoing basis or when you or your beneficiary(s) have been located. No changes will be made to your Investment Account once it is determined to be an unclaimed asset. Any growth earned will continue to be added to your Investment Account.

Financial Advisory and Intermediary Services Act. This act controls the activities of anybody who gives advice or provides an intermediary service to investors on financial products. Financial Intelligence Centre Act This act requires that the Administrator obtains certain information to verify your identity before we process your application. The purpose of this act is to prevent money laundering and terrorist financing. Income Tax Act This act applies where we refer to taxation. Exchange Control Regulations The availability of certain Portfolios is subject to these regulations. The Long -term insurance Act Linked Endowment products are governed under this act. Protection of Personal Information Act This act regulates the usage and distribution of Personal Information How does the Protection of Personal Information Act 4 of 2013 (POPIA) affect your investment?

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Financial Advisors No Person has acted, directly or indirectly, as a broker, finder or financial advisor for Purchaser in connection with the transactions contemplated by this Agreement and no Person is entitled to any fee or commission or like payment in respect thereof.
Advisory Services The Advisor shall act as investment advisor for the Funds and shall, in such capacity, supervise all aspects of the Funds' operations, including the investment and reinvestment of cash, securities or other properties comprising the Funds' assets, subject at all times to the policies and control of the Board of Trustees. The Advisor shall give the Trust and the Funds the benefit of its best judgment, efforts and facilities in rendering its services as investment advisor.
INDEPENDENT BOARD COMMITTEE AND INDEPENDENT FINANCIAL ADVISER The Independent Board Committee has been established to advise the Independent Shareholders and the Independent Financial Adviser has been engaged to advise the Independent Board Committee and the Independent Shareholders in respect of the Qianhaiwan Equity Transfer Agreement and the Land Use Rights Confirmation Contract.
Opinion of Financial Advisor 23 3.19. Brokers.............................................................. 23
FINANCIAL AGREEMENT In addition to all of Institute of Healthcare, Inc academic standards and policies, I understand that The Institute of Healthcare is not currently recognized with institutional accreditation recognized by the United States Department of Education. Students are not able or eligible to participate in federal financial aid programs in association with the Institute of Healthcare, Inc. With that being said, the applicant will be withdrawn from the course for failure to meet financial obligation. “Prior to signing this enrollment agreement, you must be given a catalog or brochure and a School Performance Fact Sheet, which are encouraged to review prior to signing this agreement. These documents contain important policies and performance data for this institution. This institution is required to have you sign and date the information included in the School Performance Fact Sheet relating to completion rates placement rates, license examination passage rates, and salaries or wages, and the most recent three- year cohort default rate, if applicable, prior to signing this agreement. “As a prospective student, you are encouraged to review this catalog prior to signing an enrollment agreement. You are also encouraged to review the School Performance Fact Sheet, which must be provided to you prior to signing an enrollment agreement.” “I certify that I have received the catalog, School Performance Fact Sheet, and information regarding completion rates, placement rates, license examination passage rates, salary or wage information, and the most recent three-year cohort default rate, if applicable, included in the School Performance Fact sheet, and have signed, initialed, and dated the information provided in the School Performance Fact Sheet.” “I understand that this is a legally binding contract. My signature below certifies that I have read, understood, and agreed to my rights and responsibilities, and that the Institutions cancellation and refund policies have been clearly explained to me.” Applicant Signature Applicant Print Name Date Authorized Employee of Institute of Healthcare, Inc. Signature Print Title Date “NOTICE” “YOU MAY ASSERT AGAINST THE HOLDER OF THE PROMISSORY NOTE YOU SIGNED IN ORDER TO FINANCE THE COST OF THE EDUCATIONAL PROGRAM ALL OF THE CLAIMS AND DEFENSES THAT YOU COULD ASSERT AGAINST THIS INSTITUTION, UP TO THE AMOUNT YOU HAVE ALREADY PAID UNDER THE PROMISSORY NOTE.” TOTAL CHARGES FOR THE CURRENT PERIOD OF ATTENDANCE: $1,595.00 ESTIMATED TOTAL CHARGES FOR THE ENTIRE EDUCATIONAL PROGRAM: $1,595.00 THE TOTAL CHARGES THE STUDENT IS OBLIGATED TO PAY UPON ENROLLMENT: $1,595.00 SCHOOL PERFORMANCE FACT SHEET EMERGENCY MEDICAL TECHNICIAN PROGRAM: 4, 8 and 12 WEEK COURSES OFFERED ON-TIME COMPLETION RATES (GRADUATION RATES) Includes data for the two calendar years prior to reporting. Calendar Year Number of Students Who Began the Program Students Available for Graduation Number of On- Time Graduates On-Time Completion Rate 2018 N/A N/A N/A N/A 2019 N/A N/A N/A N/A Students Initials: Date: Initial only after you have had enough time to read and understand the information Job Placement Rates (includes data for the two calendar years prior to reporting) Calendar Year Number of Students Number of Graduates Graduates Available for Employment Graduates Employed in the Field Placement Rate % Employed in the Field Who Began Program 0000 X/X X/X X/X X/X X/X 2019 N/A N/A N/A N/A N/A You may obtain from the institution a list of the employment positions determined to be in the field for which a student received education and training. Please request from Administration. Gainfully Employed Categories (includes data for the two calendar years prior to reporting) Part-Time vs. Full-Time Employment Calendar Year Graduate Employed in the Field 20-29 Hours Per Graduates Employed in the Field at Least 30 Hours Per Week Total Graduates Employed in the Field Week 2018 N/A N/A N/A 2019 N/A N/A N/A Single Position vs. Concurrent Aggregated Position Calendar Year Graduates Employed in the Field in a Single Graduates Employed in the Field in Concurrent Aggregated Positions Total Graduates Employed in the Field Position 2018 N/A N/A N/A 2019 N/A N/A N/A Self-Employed / Freelance Positions Calendar Year Graduates Employed who are Self- Employed or Working Freelance Total Graduates Employed in the Field 2018 N/A N/A 2019 N/A N/A Institutional Employment Calendar Year Graduates Employed in the Field whoare Employed by the Institution, anEmployer Owned by the Institution, or an Employer who Shares Ownership with the Institution. Total Graduates Employed in the Field 2018 N/A N/A 2019 N/A N/A Student’s Initials: Date: Initial only after you have had sufficient time to read and understand the information. License Examination Passage Rates (includes data for the two calendar years prior to reporting) Calendar Year Number of Graduates in Calendar Year Number of Graduates Taking Exam Number Who Passed First Available Exam Exam Number Who Failed First Available Exam Passage Rate 0000 X/X X/X X/X X/X X/X 2019 N/A N/A N/A N/A N/A Licensure examination passage data is not available from the state agency administering the examination. We are unable to collect data from graduates. Student’s Initials: Date: Initial only after you have had sufficient time to read and understand the information. Salary and Wage Information (includes data for the two calendar years prior to reporting) Annual salary and wages reported for graduates employed in the field. Calendar Year Graduates Available for Employment Graduates Employed in Field $20,001 - $25,000 $35,001 - $40,000 $40,001 - $45,000 $45,001 - $50,000 No Salary Information Reported 2018 N/A N/A N/A N/A N/A N/A N/A 2019 N/A N/A N/A N/A N/A N/A N/A A list of sources used to substantiate salary disclosures is available from the school Student’s Initials: Date: Initial only after you have had sufficient time to read and understand the information.
FINANCIAL AID I understand that aid described as “estimated” on my Financial Aid Award does not represent actual or guaranteed payment, but is an estimate of the aid I may receive if I meet all requirements stipulated by that aid program. In particular, in order to earn all financial aid awarded to me, I must attend and complete the required portion of the term in which I am enrolled per federal financial aid regulations. I understand that my Financial Aid Award is contingent upon my continued enrollment and attendance in each class upon which my financial aid was calculated. If I drop, withdraw, or fail to attend any class before completion, I understand that my federal financial aid will decrease and some or all of the aid awarded to me may be revoked. If some or all of my financial aid is revoked because of any of the above conditions, I agree to repay all aid that was disbursed to my account which resulted in a credit balance that was refunded to me. In addition, any undisbursed financial aid will either be returned to the Department of Education or credited to my account according to federal financial aid regulations. If any financial aid adjustments result in an outstanding balance, I will be responsible for any payment due to CCAC within 30 days. I agree that the financial aid that I am awarded will pay any and all charges billed to my account at CCAC such as tuition, fees, meal plans, student health insurance, parking permits, service fees, fines, bookstore charges, or any other amount, in accordance with the terms of the aid. Federal Aid: I understand that any federal Title IV financial aid that I receive, except for Federal Work Study wages, will first be applied to any outstanding balance on my account for tuition and fees. Title IV financial aid includes funds from the Pell Grant, Supplemental Educational Opportunity Grant (SEOG), Direct Xxxxxxxx Loans, and Direct PLUS Loans. I authorize CCAC to apply my Title IV financial aid to other charges billed to my student account such as student health insurance, parking permits, bookstore charges, service fees and fines, and any other education related charges. I further understand that this authorization will remain in effect until I rescind it, and that I may withdraw it at any time by initiating written contact to the Executive Director of Financial Aid and the Bursar to make arrangements to pay any outstanding charges that remain. State Aid: All state aid withdrawal regulations are governed by the rules of the state which granted the funds. Foundation, External Scholarships and/or Grants: I understand that all external scholarships and/or grants awarded to me by outside and/or institutional sources will be credited to my student account and applied toward any outstanding balance. I further understand that my receipt of a prize, award, scholarship or grant is considered a financial resource according to federal Title IV financial aid regulations, and may therefore reduce my eligibility for other federal and/or state financial aid (i.e., loans, grants, Federal Work Study) which, if already disbursed to my student account, must be reversed and returned to the aid source. Return of scholarship funds are at the discretion of the scholarship donor.
Certification for Federal-Aid Contracts Lobbying Activities A. The CONSULTANT certifies, by signing and submitting this Contract, to the best of its knowledge and belief after diligent inquiry, and other than as disclosed in writing to the LPA prior to or contemporaneously with the execution and delivery of this Contract by the CONSULTANT, the CONSULTANT has complied with Section 1352, Title 31, U.S. Code, and specifically, that:

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