Prescient Holdings (Pty) Ltd ("Prescient") has the following subsidiaries*:

Prescient Investment Management (Pty) Ltd (FSP 612)
Prescient Life Limited (FSP 44077)
Prescient Wealth Management (Pty) Ltd  (FSP 4192)
Prescient Fund Services (Pty) Ltd  (FSP 43191)
Prescient Securities (Pty) Ltd  (FSP 44074)
Prescient Private Clients (Pty) Ltd  (FSP 22265)
Prescient Management Company (RF) (Pty) Ltd

(*authorised financial services providers in terms of the Financial Advisory and Intermediary Services Act (FAIS) are indicated with their FSP numbers)

Prescient Holdings (Pty) Ltd (Registration no: 1998/023550/07)
Prescient House
Westlake Business Park
Otto Close
Westlake
Cape Town
7945

Directors: Herman Steyn, Cheree Dyers, Sharon Bailey, Michael Buckham

Company secretary: Bianca Peters

WEBSITE TERMS AND CONDITIONS OF USE

By browsing, surfing, registering on or otherwise using the Prescient website, whether for the purposes of accessing information on Prescient or any of our financial products and/or services or otherwise, you are deemed to have read and agreed to all the terms and conditions of use, legal notices, policies and disclaimers set out below or elsewhere.

Copyright Notice
This website and all its information, material and content is owned by Prescient or its licensors and is protected by copyright and other intellectual property laws. All rights not expressly granted are reserved. Prescient hereby authorises you to view, download, print and distribute the content of this website, but only for information, non-commercial and private purposes. Any unauthorised copying, reproduction, transmission, distribution, dissemination, sale, publication or exploitation of the displayed material would constitute an infringement of the protection afforded by law and is therefore prohibited in any form whatsoever.

Information and Content
Whilst every effort has been made to ensure the accuracy of information contained on this website, Prescient, its directors or employees provide no representation or warranty, express or implied, regarding the accuracy, completeness or correctness of information contained in this website.

The information and content accessible through this site is provided by Prescient as general information about the company and its products and services. Prescient does not guarantee the suitability or potential value of any information or particular investment source. Any information in this website is not intended as and does not constitute financial, tax, legal, investment, or other advice. Nothing contained in any service or any other content on our website constitutes a solicitation, recommendation, endorsement or offer by Prescient, but shall merely be deemed to be an invitation to do business. In no event will Prescient be liable to you or anyone else for any decision made or action taken in reliance on the information in this website or for any consequential, special or similar damages, even if advised of the possibility of such damages.

Limitation on Virus Protection

No warranty, whether express or implied, is given that any files, downloads or applications available via this website are free of viruses, trojans, bombs, time-locks or any other data or code which has the ability to corrupt or affect the operation of your computer, database, network or other information system.

All e-mail communication sent by or on behalf of Prescient is subject to the following terms and conditions:

Confidentiality warning
The contents of this email and any accompanying documentation are confidential and may be subject to legal privilege and client confidentiality. Any use thereof, in whatever form, by anyone other than the addressee is strictly prohibited. If you are not the intended recipient of this email or facsimile, kindly notify the sender by return email, facsimile or telephone, as well as deleting it from your system. You may not copy this email or disclose its contents to any other person, without our express written consent.

Copyright notice
The content of this email and any accompanying documentation relating to Prescient are owned by Prescient and are protected by copyright and other intellectual property laws. All rights not expressly granted are reserved.

Electronic communications
By communicating with us through electronic means, you consent to receiving communications electronically and agree that all agreements, notices, disclosures and all other communications transmitted by electronic means satisfy any legal requirement, including but not limited to the requirement that such communication should be in writing. Unless otherwise agreed, we are only deemed to have received an email once we have confirmed receipt thereof; and we are only deemed to have sent an email once reflected as 'sent' on our email server.

Disclaimer
Prescient shall not be liable if any variation is affected to any document or correspondence emailed unless the variation has been approved by the sender thereof. Prescient cannot be held liable for any harm or loss resulting from viruses in this message or attachments, including data corruption resulting therefrom. Prescient therefore disclaims liability or legal responsibility for the non-delivery or incorrect delivery for whatever reason of the contents of this message, its effect on electronic devices or its transmission in an unencrypted medium.

Personal use by employees
Prescient is not able to distinguish between business and personal emails. Users who make use of Prescient’s email system do so at their own risk and accept responsibility for any actions or consequences that arise from such personal use. Any views or opinions expressed in such messages are those of the individual sender and do not create obligations on or represent any commitment by Prescient, except where the sender specifically states it to be the views or opinions of Prescient. If this message contains offensive, derogatory or defamatory statements or materials, it means the message has been sent outside the sender's scope of employment with Prescient and only the sender can be held liable in his/her personal capacity.

Interception and monitoring
Users who make use of Prescient's email system do so at their own risk and accept responsibility for any actions and consequences that arise from use. In general terms, Prescient does not engage in blanket monitoring of communications. Prescient does however reserve the right at any time and without notice to intercept and monitor communications and stored files sent or received over or stored on Prescient's information and communications systems, provided that such monitoring and interception is: performed by an Prescient representative properly authorised by Prescient; for a lawful purposes; and strictly in accordance with Prescient's Monitoring Policy and Procedures.

Offer
Nothing contained in this email constitutes a solicitation, recommendation, endorsement or offer by Prescient, but shall merely be deemed to be an invitation to do business.

Governing law
This email and any accompanying documentation are to be interpreted and implemented in accordance with the laws of the Republic of South Africa.

Prescient acknowledges and respects your right to privacy and is committed to keeping your information confidential.

Personal Information
In general, you can visit our website without having to divulge any personal information about yourself. However, while using this website you may provide information about yourself or it may be collected by us.

You may update personal information at any time by e-mailing Prescient. You may also view your personal information that we hold and correct it if necessary on written request to Prescient.

Access to your personal information held by Prescient may also be requested by yourself or third parties. The Promotion of Access to Information Act, 2 of 2000 regulates and sets out the procedure for such a request and under what circumstances such access may be refused.

Use of Information
Personal information is used as is necessary and appropriate in the normal course of business to provide the products and services you have requested. We may retain any information for purposes of investment transaction processing and administration, to monitor our site or to communicate directly with you.

Sharing of Information
All personal information supplied to Prescient or collected by us is kept strictly confidential and will not be given or sold to any third parties. Prescient will disclose or report personal information if and when required to do so by law or any regulatory authority, and to our employees, or agents who require such information to carry out their duties.

Security of Information
We take all reasonable steps to protect your personal information, including the use of encryption technology. We can however not guarantee the security of any information you transmit to us electronically and you do so at your own risk.

Electronic Communications and Records
By visiting this website or communicating with us by electronic means, you consent to receiving communications electronically and agree that all agreements, notices, disclosures and all other communications transmitted by electronic means satisfies any legal requirement, including but not limited to the requirement that such communication should be “in writing”.

Information contained on the website is updated on a regular basis. However, due to its nature, the information may become outdated. Users are therefore cautioned to independently verify the correctness of information contained on the website. Prescient accepts no liability of any sort resulting from reliance being placed upon outdated information contained on the website by any user or other person.

By accessing the information and materials made available by Prescient on this website, you agree to be bound by all the terms and conditions, which may change from time to time. The information contained on this website relates to the products and services offered by Prescient, its associates and its subsidiaries, which is provided in an objective manner and is not intended to constitute a recommendation, guidance or proposal with regards to the suitability of any product in respect of any financial need you may have. While every effort has been made to ensure the accuracy of information contained on this website, Prescient and its directors, officers and employees provide no representation or warranty, expressed or implied, regarding the accuracy, completeness or correctness of information contained herein.

Prescient has taken and will continue to take care that all information, in so far as this is under its control, provided on this website is true and correct. However, Prescient shall not be responsible for, and therefore disclaims any liability for, any loss, liability, damage (whether direct or consequential) or expense of any nature whatsoever which may be suffered as a result of or which may be attributable, directly or indirectly, to the use of or reliance upon any information, links or service provided through this website.

There is no warranty of any kind, expressed or implied, regarding the information or any aspect of this service. Any warranty implied by law is hereby excluded except to the extent such exclusion would be unlawful.

COMPLAINTS HANDLING / RESOLUTION POLICY

PRESCIENT CONFLICT OF INTEREST MANAGEMENT POLICY

PROMOTION OF ACCESS TO INFORMATION