Minors are permitted to apply for Offer Shares with the assistance of the parents or a legal guardian who should sign the Application Form on their behalf.

Foreign Investors wishing to apply for New Shares must satisfy themselves as to the full observance of the laws of the relevant jurisdiction and Governmental and other consents to ensure that all requisite formalities are adhered to, and pay any issue, transfer or other taxes due in such jurisdiction. Before applying for and purchasing Shares, foreign investors are advised to consult their own professional advisors as to whether they require any Governmental or other approvals or need to observe any applicable legal or regulatory requirements.

a) Refunds will be paid by Electronic Funds Transfer to the bank account details in the CSD account or in the Application Form. However, if the electronic transfer is declared unsuccessful or otherwise, a Banker’s Cheque or bank draft may be issued in the name appearing on the Application Form.

b) Where a lender has advanced money to an investor to subscribe for Offer Shares, refunds will be made to or for the account of such a lender as the case may be.

Interest rates remained structurally high but stable throughout 2025. Lending rates averaged around 15%, while deposit rates remained subdued at approximately 8%9. This resulted in a persistently wide interest rate reflecting ongoing structural challenges within the financial sector .