Regulatory Disclosures

1. Authorisation and Representation

Enriching Lives Financial Advisor Services (Pty) Ltd ("Enriching Lives") is a juristic representative of The Legacy Planning Institute (Pty) Ltd (LPI), an Authorised Financial Services Provider (FSP 51872), licensed and regulated by the Financial Sector Conduct Authority (FSCA).

Enriching Lives does not hold its own FSP licence. All financial services, advice, and intermediary activities are rendered under the authority and supervision of LPI, in accordance with the Financial Advisory and Intermediary Services Act, 2002 (FAIS Act).

The FAIS Act requires that all persons who provide financial advice or intermediary services to clients must be appropriately licensed or mandated under a licensed FSP. As a juristic representative of LPI, Enriching Lives complies with this requirement.

2. Regulatory Oversight

Enriching Lives and LPI are subject to regulatory oversight by the Financial Sector Conduct Authority (FSCA), which administers and enforces the FAIS Act. The FSCA ensures that financial services providers and their representatives act honestly, fairly, and with due skill, care, and diligence in the interests of clients.

You can verify LPI's FSP licence status on the FSCA website.

3. Conflict of Interest Disclosure

In accordance with Section 3A of the FAIS General Code of Conduct (Board Notice 80 of 2003, as amended), Enriching Lives maintains a Conflict of Interest Management Policy.

As a juristic representative of LPI, we may recommend financial products from product providers with whom LPI has commercial arrangements, including but not limited to those listed on our website. These arrangements may include the receipt of commissions, fees, or other forms of remuneration from product providers when financial products are sold or administered.

We are committed to managing conflicts of interest in a way that is fair to our clients. We will:

• Always act in your best interest when providing advice.
• Disclose any financial interest, ownership, or relationship that may influence our recommendations.
• Ensure that any remuneration we receive does not compromise the objectivity of our advice.
• Provide you with details of any commissions or fees receivable upon request.

A full copy of our Conflict of Interest Management Policy is available on request from our office.

4. Complaints Procedure

In terms of Section 7(1) of the FAIS General Code of Conduct, Enriching Lives maintains an internal complaints resolution process. If you are dissatisfied with any financial service or advice provided by us, you may lodge a complaint as follows:

Step 1: Internal Complaint

Contact our office directly:

• Email: office@enrichinglivesfas.co.za
• Phone: 010 036 4325
• Glenfield Office Park, 361 Oberon Avenue, Block E, Ground Floor, Faerie Glen, Pretoria

We will acknowledge receipt of your complaint promptly and endeavour to resolve it within a reasonable timeframe.

Step 2: Escalation to the FAIS Ombud

If your complaint is not resolved to your satisfaction within six (6) weeks, or if you are unhappy with the outcome, you have the right to refer the matter to the FAIS Ombud:

Office of the FAIS Ombud

• Phone: 012 470 9080
• Fax: 012 348 3447
• Email: info@faisombud.co.za
• Website: www.faisombud.co.za
• Sussex Office Park, Ground Floor, Block B, 473 Lynnwood Road, Pretoria, 0081

The FAIS Ombud resolves complaints between clients and financial services providers at no cost to the complainant.

5. Remuneration Disclosure

In terms of Section 3A and Section 7 of the FAIS General Code of Conduct, we disclose the following:

• Enriching Lives and its representatives may receive commissions and/or fees from product providers when financial products are recommended or sold to you.
• Commission structures are determined by the relevant product provider and are subject to the limits prescribed by the Long-term Insurance Act, Short-term Insurance Act, and FAIS regulations.
• Where an advice fee is charged, this will be disclosed and agreed with you in writing before any services are rendered.

You are entitled to request full details of any remuneration, commission, or fee payable in relation to any financial product or service recommended to you.

6. Professional Indemnity Insurance

In accordance with Section 8 of the FAIS General Code of Conduct and Board Notice 123 of 2009, LPI maintains Professional Indemnity (PI) insurance cover, which extends to the activities of Enriching Lives as its juristic representative. This insurance provides cover in respect of claims arising from the rendering of financial services.

7. Investment Risk Warning

The value of investments may go up as well as down. Past performance is not necessarily a guide to future performance. Where fund performance data is shown on this website, it is sourced from published product provider disclosures and does not constitute a guarantee of future returns.

Any financial product or investment decision should be made only after you have received and considered a full, personalised financial needs analysis from a qualified financial advisor. Enriching Lives will not be held liable for any investment losses arising from decisions taken without such advice.

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