Disclosures and policies,
in plain language.

FAIS: COMPLAINTS MANAGEMENT POLICY Approved by: Diwan Pienaar, Director and Key Individual Approval date: 2025/11/04 1. Introduction Section 17 of the General Code of Conduct for Authorised Financial Services Providers and Representatives requires that each Financial Services Provider establish, maintain and operate an adequate and effective complaints management framework. The aim of the complaints management framework is to effectively resolve complaints and ensure that complainants receive fair treatment in the process. Treating Customers Fairly outcomes further require that customers do not face unreasonable post-sale barriers to change product, switch providers, submit a claim or make a complaint. 2. Policy statement Designer Capital and its representatives are committed to treating customers fairly and rendering financial services with due care and diligence. Complaints will be addressed in a timely and fair manner and will be used to monitor and improve service delivery. 3. Objective This policy establishes a formal framework for complaints management. Together with internal procedures, the complaints register and related measures, it forms the Complaints Management Framework. Objectives include: • guiding principles to effectively resolve complaints; • how complaints will be submitted, acknowledged, categorised, investigated, escalated, resolved, recorded and monitored; • allocation of responsibilities; • review and documenting policy changes; • managing complaints relating to representatives, service providers or outsourced functions; • engagement with the Ombud; • meeting reporting requirements to the Authority and the public, where applicable. 4. Scope of application This policy applies to all staff members, employees and individuals working on behalf of Designer Capital, including service providers where relevant. Staff receive training and non-compliance may result in disciplinary action or termination of relationships. 5. Principles Principles include: • policy accessibility; • transparent and free processes; • plain language communication; • fair handling; • appropriate investigation and timely response; • progress updates and delay communication; • appropriate redress where complaints are upheld; • informing clients of escalation rights to the FAIS Ombud; • recordkeeping and continuous improvement; • cooperation and honest communication with the Ombud. 6. Definitions Key definitions include client query, complainant, complaint, compensation payment, goodwill payment, member, rejected, reportable complaint and upheld, as defined in the General Code of Conduct. 7. Allocation of responsibilities The governing body, board or Key Individuals are responsible for effective complaints management, approval of the framework, approval of changes, and oversight of effectiveness. The Key Individual or nominated person is responsible for decisions and recommendations, must be adequately trained and empowered, and not be subject to conflicts of interest. The Key Individual is responsible for receipt, categorisation, recording and administrative matters concerning complaints. 8. Complaints considered Complaints relate to financial services rendered by Designer Capital or its representatives, including alleged non-compliance, maladministration, harm or unfair treatment. 8.2 Reportable complaints A reportable complaint is any complaint other than those upheld immediately, or within ordinary query-handling processes within five business days, or those where the provider did not have reasonable opportunity to record details. 8.3 Categorisation Reportable complaints are categorised, including complaints relating to product or service design, information provided, advice, performance, service to clients, accessibility, complaints handling, insurance risk claims, and other. 9. Complaints procedure • Complaints should be submitted in writing with supporting documentation. • Complaints may be submitted via email. • Complaints are logged and categorised, with written acknowledgement within three working days and contact details of the responsible person. • An investigation is conducted and preliminary findings are communicated. • A proposed solution is communicated within 30 working days. • If unresolved or the complainant is dissatisfied, the matter may be escalated. • If not resolved within six weeks, the complaint may be referred to the FAIS Ombud. • Complaints must be referred to the FAIS Ombud within six months after notification of non-resolution. • The Ombud will not adjudicate matters exceeding R3 500 000. FAIS Ombud contact details Physical address: Menlyn Central Office Building, 125 Dallas Avenue, Waterkloof Glen, Pretoria 0010 Postal address: P O Box 41, Menlyn Park, 0063 Tel: 012 762 5000 Sharecall: 086 066 3274 Email: info@faisombud.co.za Website: www.faisombud.co.za 10. Performance standards, remuneration and reward strategies Remuneration practices promote alignment with clients and avoid unfair outcomes. Persons handling complaints are remunerated to support objectivity and impartiality. 11. Escalation, review and decisions Escalation procedures are implemented. If upheld, undertakings are carried out without undue delay. If rejected, reasons are provided and referral options and time periods are explained. 12. Recordkeeping, monitoring, analysis and reporting Records of reportable complaints and related information are maintained. Complaint data is analysed to manage conduct risks and improve outcomes. Reports are provided to governance structures as appropriate. 13. Complaints in relation to outsourced service providers Outsourcing agreements address complaints handling. Outsourced providers maintain adequate frameworks and submit complaints data to the FSP. Referral procedures are implemented where required. 14. Engagement with the Ombud Procedures support engagement with the Ombud within requested timelines. Ombud contact details are made available and Ombud publications are monitored to improve practices. 15. Policy changes The policy is reviewed annually or when significant changes occur. Revision history is recorded.

POPIA privacy notice (summary) 1. Responsible party Personal information is processed by Designer Capital (Pty) Ltd (FSP 55444) and, where relevant, related group entities in respect of website interactions and enquiries. 2. What information we may collect Depending on how you interact with the website, we may collect: • contact details you provide (name, email address, phone number); • message content and supporting information you submit; • basic technical information required for access control and website security (for example, session-related data); • limited usage information if privacy-conscious analytics are enabled. 3. Purposes of processing Information is processed for legitimate business purposes, including: • responding to enquiries and requests; • managing client access to restricted areas; • maintaining appropriate records, governance and audit trails; • maintaining website security and preventing abuse; • complying with legal and regulatory obligations. 4. Lawful basis and minimality We process personal information lawfully and in a manner that is adequate, relevant and not excessive for the purpose. 5. Sharing and operators We do not sell personal information. We may share information with vetted service providers acting as operators under appropriate confidentiality and security safeguards, and where required by law. 6. Retention Records are retained for as long as required for the purpose, and in line with legal, regulatory and operational recordkeeping requirements. 7. Security safeguards Appropriate technical and organisational measures are applied to protect personal information against unauthorised access, loss or misuse. 8. Data subject rights You may request access to, correction of, or deletion of personal information, subject to applicable legal limitations. Requests can be submitted to: info@designerplatforms.co.za 9. Cookies Essential cookies or similar technologies may be used for website functionality and access control. You can manage cookies through your browser settings.

CONFLICT OF INTEREST MANAGEMENT POLICY 1. Introduction In terms of the General Code of Conduct for Financial Services Providers and representatives, conflict of interest means any situation in which a provider or a representative has an actual or potential interest that may, in rendering a financial service to a client: (a) influence the objective performance of obligations to that client; or (b) prevent a provider or representative from rendering an unbiased and fair financial service to that client, or from acting in the interests of that client, including but not limited to: (i) a financial interest; (ii) an ownership interest; (iii) any relationship with a third party. The FSP and its representatives are committed to treating customers fairly outcomes. It is important to avoid conflict of interest. Where it is not possible to avoid conflict of interest, the FSP will ensure that the risk is mitigated. 2. Scope / Application Section 3A(2) of the General Code of Conduct requires that each Financial Services Provider adopt, maintain and implement a conflict of interest management policy. This policy applies to all employees (directors, representatives, associates etc) of the Financial Services Provider. The aim of the policy is to demonstrate how the FSP will manage conflicts of interest that may arise during the course of rendering financial services to clients, including measures to: • identify conflicts of interest; • avoid conflicts of interest, and if not, provide reasons why unavoidable; • mitigate conflicts of interest; and • disclose conflicts of interest. The General Code of Conduct further requires the FSP to address: • representative qualification for financial interests and alignment to section 3A; • list of associates; • list of third parties in which ownership interest is held and the nature and extent of ownership; • processes, procedures and controls to ensure compliance and consequences of non-compliance. 3. Measures to identify a conflict of interest Identifying a conflict of interest is the responsibility of each employee. Definitions relevant to conflict of interest are those set out in the General Code of Conduct. The General Code of Conduct requires that financial services be rendered honestly, fairly, with due skill, care and diligence and in the interests of clients and the integrity of the financial services industry. The responsibility to identify possible or actual conflict of interest rests with each employee. Measures to identify conflict of interest include: • training to employees; • conflict of interest declarations; • monitoring and recording gifts or financial interests offered or received; • review of third party contracts; • review of ownership interests and their extent and nature; and • review and update of the list of associates. 4. Measures to avoid and mitigate a conflict of interest Once a conflict of interest is identified it must be reported to the immediate manager. The FSP senior management or highest authority will deliberate whether the conflict should be avoided and what measures will be implemented. The compliance officer may be consulted. Decisions and reasons must be recorded, including reasons why the conflict cannot be avoided and measures implemented to mitigate it. 5. Measures to disclose conflicts of interest In accordance with the General Code of Conduct, the following should be disclosed in writing at the earliest reasonable opportunity: • the conflict of interest in respect of the client; • measures taken to avoid or mitigate the conflict; • ownership interests or financial interests that may be obtained (excluding immaterial financial interests); • sufficient detail of any relationship or arrangement giving rise to the conflict; • how the client can access this policy. 6. Processes, procedures and controls Procedures will provide for: • where the policy is kept and how it may be accessed; • ensuring employees read and understand the policy; • review of the policy; • declarations; • gift and conflict registers; and • updating relevant disclosure documents. 7. Financial interests Financial interests may only be received or offered as permitted under section 3A of the General Code of Conduct. The policy sets out acceptable and non-acceptable financial interests, representative entitlement principles, reasonably commensurate remuneration requirements, sign-on bonus rules where applicable, and restrictions on dealing based on advance knowledge or non-public information. 8. Consequences of non-compliance Non-compliance may result in disciplinary action and may have civil or criminal consequences. 9. Maintenance and amendments The policy is reviewed annually or as required and amendments are communicated to affected parties.