Application Form ETF Tax Free Investment Account (Issued under Section 12T of the Income Tax Act)

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1 Application Form ETF Tax Free Investment Account (Issued under Section 12T of the Income Tax Act) A) HOW TO INVEST 1. Read the Terms and Conditions of this Policy (attached hereto). 2. Choose the product offered for the Tax Free Investment Accounts, to meet your investment objectives details in Section E of this application form. 3. Please complete all relevant sections of this form, and send pages 1-4 together with the required documents to the Administrators of the Tax Free Investment Accounts: or fax to (011) Alternatively, this form may be delivered by hand or post to the Administrator as shown in the contact details below. Please note that a fee is levied for validation of information sent via fax or . Refer section F below. 4. Identification Documentation: In terms of the Financial Intelligence Centre Act, 2001 (FICA) and Strate requirements, the Administrator needs a certified copy of each of the following documents: Proof of Identity (any of the following): * ID Document * Passport * Valid Driver s Licence The FICA identification document must contain a photo, full names, date of birth and ID number Proof of Address Document, less than 3 months old, containing residential address Proof of Banking Details Bank statement, less than 3 months old, with your name and address 5. Investment Clear copy of Proof of Deposit if investing lump sum amount. Please use the ID Number of the investor as reference. B) INVESTOR DECLARATION Title Surname First Name(s) Male Female Date of Birth D D M M Y Y Y Y Nationality ID Number or Passport (if no RSA ID) Tax Number Country of Residence Physical Address Postal Code Postal Address Postal Code Daytime Contact Number Mobile Number Address Please specify your preferred method of receiving correspondence Postal Address *Where no selection is made correspondence will be sent to the address supplied above. If no address is supplied, correspondence will be sent via post at your cost. Page 1 of 8

2 C) ACTING ON BEHALF OF INVESTOR * * This is for Guardians of minors or persons with Powers of Attorney Title Surname First Name(s) Male Female Date of Birth D D M M Y Y Y Y Nationality ID Number or Passport (if no RSA ID) Country of Residence Physical Address Postal Code Postal Address Postal Code Daytime Contact Number Mobile Number Address Capacity D) BANKING DETAILS OF INVESTOR Name of Account Holder Name of Bank Branch Name Branch Code Account Number Account Type Signature of Account Holder A bank statement must be attached as proof of banking details. The account holder must have a South African bank account. The onus is on the Investor to inform the Administrator of any changes to the bank account details. No payments will be made into third party bank accounts or credit cards (i.e. payments will only be made to the bank account in the name of the registered Investor). E) INVESTMENT AMOUNTS Lump Sum Investment (choose one) 100% in ETF Tax Free Income Account 50% in ETF Tax Free Income Account and 50% in ETF Tax Free Equity Account 100% in ETF Tax Free Equity Account Investment Amount Please note, maximum lump sum investment is R per year. Minimum investment is R1000 per transaction. Computershare Bank Details for Lump Sum Deposits Account Name Account Number Bank Branch Code Computershare Nominees First National Bank (Pty) Ltd ETF IA Note: Use your ID Number as the reference Page 2 of 8

3 Debit Order Investment 100% in ETF Tax Free Income Account 50% in ETF Tax Free Income Account and 50% in ETF Tax Free Equity Account 100% in ETF Tax Free Equity Account Debit Order Investment Amount Show amount to be invested (minimum R1000 per debit order) Debit Order Date 25 th 3 rd F) FEES & CHARGES Rate per annum Financial Adviser and Portfolio Management Fees Administration and Custodian Fees 0,5% (incl. VAT) 0,5% (incl. VAT) In addition, the transaction fees applicable to the purchase and sale of the ETF securities will be borne by the Investor. This fee amounts to 0,1% of the value of the transaction, plus any handling, settlement and JSE/Strate charges, which fees are bulked amongst all Investors. Out of pocket expenses such as postage (where applicable), specific bank charges on cheque clearance, cash deposit or debit order fees will be deducted from your deposit. If verification documentation is received via fax or , information will be validated via an independent third party service provider and a transaction fee of R3,20 will apply. This fee may be adjusted from time to time. G) SEGREGATED DEPOSITORY ACCOUNT The investor may request a Primary Participant to open one or more Segregated Depository Account(s) (SDA): appoint a Secondary Participant and have one or more Segregated Depository Accounts for his/her various holdings with different primary and secondary Participants, provided that the requirements stipulated in the Rules of Strate (Pty) Limited are adhered to. I /We confirm that I/we would not like to open a SDA. I /We confirm that I/we would like to open a SDA with Strate with and as the Secondary Participant. An Investor who elects to open a SDA will not be able to invest in a Tax Free Investment Account. It is not compulsory for an investor to pre-appoint a Secondary Participant. as the Primary Participant, H) AUTHORISATION AND DECLARATION 1. I have read and understood all the pages of this Application form and agree to the Terms & Conditions of this investment into the ETF Tax Free Investment Account. 2. I understand that this Application and any other further documents read with the Application constitutes the entire Application between the Administrator and myself. 3. I warrant that the information contained herein is true and correct and that when this Application form is signed in a representative capacity, I have the necessary authority to do so and that the transaction is within my power. 4. The maximum investment in the ETF Tax Free Investment Account is R per individual in any one tax year and R over the life of an individual, or as amended by law from time to time. Over time, the balance in the Tax Free Investment Account may exceed the R limit, due to accumulated earnings and capital gains. 5. I acknowledge that the Administrator cannot accept contribution amounts in excess of these amounts and lifetime limits. I also acknowledge my responsibility to ensure that I adhere to these annual amounts or lifetime limits, or else face penalties for breaching these limits. 6. I accept that withdrawals can be made from the Tax Free Investment Account at any time, but such accumulated savings cannot be replaced. 7. I understand and agree that no part of the services provided by the Administrator and portfolio manager constitute a solicitation, recommendation, guidance or proposal, nor does it constitute financial, tax, legal, investment nor any other advice. I warrant to the Administrator and to the portfolio manager that I am acting for my own account, I have made my own independent decisions to enter into this investment, as to whether the investment is appropriate or proper for me, based on my own judgement, or upon advice from such advisors I deem necessary. Page 3 of 8

4 8. I further warrant that the information and expectations relating to the terms and conditions of the investment shall not be considered as investment advice, or a recommendation to enter into the investment. I have not received from the Administrator or the portfolio manager any assurance or guarantee as to the expected result of the investment. 9. I authorise the portfolio manager to enter into transactions on my behalf and to make investments in my portfolio under a Tax Free Investment Account. I further consent to the appointment of Computershare (Pty) Ltd as the custodian and Administrator on behalf of the portfolio manager and my Tax Free Investment Account. 10. I authorise the Administrator to accept and act on my instructions by facsimile or and hereby waive any claim I have against the Administrator and indemnify the Administrator against any loss incurred as a result of the Administrator receiving and acting on such communication or instruction. 11. Any personal information may be used by the Administrator and the portfolio manager in the normal course of business to provide the services related to the Tax Free Investment Account and they may retain this information for purposes of investment transactions, processing and administration and to communicate directly with me. Personal information will not be given or sold to any third parties. The Administrator and/or the portfolio manager will disclose or report personal information if and when required to do so by law or any regulatory authority. 12. I consent to the Administrator making enquiries of whatsoever nature for the purposes of verifying the information I have disclosed on this Application, to prevent and detect fraud, and I express my consent to the Administrator obtaining any other information concerning me from any source to enable the Administrator to process this Application. 13. I confirm that I am not acting in the capacity of a nominee intending to hold Securities on behalf of a beneficial owner. (Please note that nominee companies must be approved by the Financial Services Board before an investment account may be opened. is only available to private individual investors and not to institutional investors or nominees). 14. All ETFs purchased through the Tax Free Investment Account will be registered in the Investor s name under Computershare Nominees (Pty) Ltd on the Strate securities register. 15. I elect not to receive distribution announcements and note that all distributions that accrue on the Tax Free Investment Account will automatically be reinvested. 16. I agree that all income that accrues on my investment will only be paid to me once the Tax Free Investment Account has been opened. SIGNED AT DATE: FULL NAME OF SIGNATORY CAPACITY SIGNATURE OF INVESTOR/LEGAL GUARDIAN / AUTHORISED REPRESENTATIVE (if applicable) Page 4 of 8

5 ETF Tax Free Investment Account Terms & Conditions (to be retained by investor) GENERAL 1. is made available in terms of Section 12T of the Income Tax Act, Computershare (Pty) Ltd is the Administrator for the ETF Tax Free Investment Account. Computershare is a registered Central Securities Depository Participant (CSD Participant) and has a Financial Services Provider Category I and II Licence to provide intermediary services (FSP No 760). 3. etfsa Portfolio Management Company (Pty) Ltd (Registration No 2012/19954/07), provides financial intermediary and advisory services for the ETF Tax Free Investment Accounts, including portfolio management services. etfsa Portfolio Management Company is a juristic representative of ResAM Financial Services (Pty) Ltd, an authorised Category II Financial Services Provider (FSP Licence No 40107). 4. Michael Fitzclarence Brown, trading as etfsa.co.za, is the Managing Director of etfsa Portfolio Management Services (Pty) Ltd and is the holder of a Category I Financial Services Provider Licence (Licence No 39217). 5. This application will govern the relationship between the Investor and the Administrator. It is the Administrator s sole discretion to accept or reject the Investor s Application form. The Administrator will provide the Investor with confirmation of the Application being received and the investment being processed. 6. Investments into an ETF Tax Free Investment Account will be made within one week of the Application form being accepted, with supporting documentation, by the Administrator. Debit order investments will be processed on the 25 th or the 3 rd day of the month. 7. The Investor has 14 days after acceptance of the investment confirmation within which to report any errors to the Administrator. 8. No indulgences granted by the Administrator should affect or prejudice the rights of the Administrator or etfsa Portfolio Management Services, nor should it be regarded as a waiver of any rights. CONDITIONS ATTACHED TO THE ETF TAX FREE ACCOUNT 1. Tax Free Savings and Investment Accounts (TFSA) are provided under Section 12T(8) of the Income Tax Act, The earnings (interest and dividends) and growth (capital gains) from these tax free products, will not attract income, dividends or capital gains tax. 3. Exchange Traded Funds (ETFs) that are also classified as Collective Investment Schemes are eligible for inclusion in Tax Free Savings and Investment Accounts. only includes such ETFs as the constituents of its portfolios. No company included in an index may exceed 35 percent of the monetary value of the tax free investment. 4. Contributions to all Tax Free Savings and Investment Accounts (TFSAs) are limited to R during any one year and to R over the life of the individual. However, the balance on these TFSA accounts may exceed the R contribution limit due to accumulated earnings and capital growth over time. The Administrator is not permitted to accept investments to TFSAs in excess of these contribution limits. It is the responsibility of the Investor to ensure that they adhere to the annual and lifetime limits for contributions, or else face penalties for breaching these limits. 5. Withdrawals can be made from TFSA by the Investor, but such amounts withdrawn cannot be replaced. The Administrator will make payment of a withdrawal to the Investor within 7 business days after that Investor has requested the payment. 6. Minors may invest in a Tax Free Investment Account but the Administrator may not transfer or deposit an amount that is withdrawn, in respect of a minor, other than into an account: a. That is held in the name of that Investor; or b. Of the deceased estate of that Investor, who is a minor. 7. Transfers of Tax Free Savings and Investment Accounts will initially not be allowed, during the first year of the incentive, until 1 st March The National Treasury intends to expand the regulations to allow individuals to transfer any amount in a Tax Free Savings and Investment Account, through a set procedure, from one institution, or product provider, to another. A transfer of a TFSA between individual Investors, however, will not be allowed. 8. Investors may not convert existing investment products into TFSAs, which implies that all TFSAs must be originated with new contributions from the Investor. Page 5 of 8

6 THE ETF TAX FREE INVESTMENT ACCOUNT TWO OPTIONS ETF Income Account Product Allocation RMB Inflation-X ETF 30% NewFunds GOVI ETF 30% PrefTrax ETF (15%) RMB Inflation-X ETF (30%) Grindrod Bank PrefTrax ETF 15% Grindrod Bank PropTrax Ten ETF 25% NewFunds GOVI ETF (30%) PropTrax Ten ETF (25%) The intention of this account is to provide a low risk, income bearing tax free account where all income is reinvested in the account on a tax free basis. Any capital gains in the account, which is not the chief objective of this low risk product, will also be tax free. ETF Equity Account Product Allocation Satrix FINI 15 ETF 15% Satrix INDI 25 ETF 20% RMB MidCap ETF 10% Grindrod Bank LowVol ETF 15% Grindrod Bank DivTrax ETF 15% Grindrod Bank Aristocrat Dividend ETF (15%) Grindrod Bank Low Volatility ETF (15%) DBX Tracker MSCI World ETF (25%) Satrix FINI ETF (15%) DBX Tracker MSCI World ETF 25% RMB MidCap ETF (10%) Satrix INDI ETF (20%) The intention of this product is to provide a higher risk account that will seek to generate capital gains over time through total exposure to equities by investing in appropriate ETFs. Any income in the account, which is not the chief objective of this higher risk portfolio, will be reinvested in the account on a tax-free basis. Note: Only FSB registered Collective Investment Schemes Exchange Traded Funds are used in the constitution of the ETF Tax Free Investment Accounts FEES & CHARGES Financial Adviser and Portfolio Management Fees Administration and Custodian Fees Rate per annum 0,5% (incl. VAT) 0,5% (incl. VAT) In addition, the transaction and handling fees applicable to the purchase and sale of the ETF securities will be borne by the Investor. This fee is 0,1% of the value of the transaction, plus any settlement and JSE/Strate charges, which are bulked and likely to be nominal. Out of pocket expenses such as postage (where applicable), specific bank charges on cheque clearance, cash deposit or debit order fees will be deducted from your deposit. If verification documentation is received via fax or , information will be validated via an independent third party service provider and a transaction fee of R3,20 will apply. This fee may be adjusted from time to time. The Investor acknowledges and accepts the above fees paid to etfsa Portfolio Management Company (Pty) Ltd and Computershare (Pty) Ltd (the Administrator). Page 6 of 8

7 APPLICABLE IF APPOINTING A FINANCIAL ADVISER/FSP 1. The Administrator will only accept applications submitted on behalf of Investors, from FSPs who have been granted a licence by the Financial Services Board. 2. The Administrator cannot be held responsible or liable for loss or damage suffered by the Investor as a result of the FSP acting outside his/her licence parameters or because of delays in the processing or rejection of this Application form, caused by the fact that the Investor s FSP is not authorised as a Financial Services Provider or is not approved by the Administrator. 3. The FSP is responsible for ensuring that the Investor receives and understands all appropriate advice, product and fee information including changes in the working practices and procedures of the Administrator. 4. The Investor may negotiate an initial or annual adviser fee to be paid to your financial adviser and the Administrator will deduct such sums from your account and pay the designated advisor. REPORTING Statements, or any other related documentation, including tax certificates, will be ed to the Investor once every six months or at the Investor s requirement. IDENTIFICATION (FICA) REQUIREMENTS In terms of the Financial Intelligence Centre Act, 2001 ( FICA ) and Strate requirements, the Administrator requires a copy of each of the following documents. 1. An ID document means a document containing a photo, full names, date of birth and ID number, a passport or valid driver s license. 2. Proof of address/business address means a document less than 3 months old containing residential address that is a utility bill, bank statement, rates account or tax invoice. 3. Proof of Bank Account means a bank statement less than 3 months old. 4. Third Party Representing another individual/power of Attorney If the third party is a natural person: ID document in respect of third party. Proof of authority to act, e.g. power of attorney, investment mandate, resolution or court order. CONTACT DETAILS Administrator / Custodian Street Address Postal Address & Telephone Computershare 70 Marshall Street Johannesburg 2001 Computershare Private Bag X17 Marshalltown 2107 Tel: Fax: Financial Advisor / Portfolio Manager Street Address Postal Address & Telephone etfsa Portfolio Management Company 79 Oxford Road Saxonwold 2196 etfsa P O Box 36 Cresta 2118 Tel: Fax: Compliance Department Street Address Postal Address & Telephone Computershare 70 Marshall Street Johannesburg 2001 Computershare P O Box Marshalltown 2107 Tel: Fax: Tel: Fax: Page 7 of 8

8 COMPLAINTS Please do not hesitate to contact us if you are not satisfied with this investment or the services received from the Administrator. A complaint must be submitted to the Compliance Officer. We will acknowledge the complaint in writing and will inform the Investor of the contact details of the persons involved in the resolution thereof. If an Investor is not satisfied with the response from the Administrator and or the FSP, the Investor has the right to address his/her complaint in writing to the Ombud for Financial Services at the address below. An Ombud is legally empowered to investigate and adjudicate complaints in a procedurally fair, economic and expeditious manner. P O Box P O Box Lynnwood Ridge & Telephone Tel: Fax: TERMS AND CONDITIONS OF CUSTODY AND SETTLEMENT The portfolio manager has entered into a Custody and Settlement Agreement with Computershare. A copy of the detailed terms and conditions applicable to the Tax Free Investment Account may be requested from the Administrator if required. Page 8 of 8

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