0byt3m1n1-V2

Path: /home/yvffpqmy/mail/new/ [ Home ]
File: 1705915164.M405479P15377.server1.hpierson.com,S=368372,W=375535
Envelope-to: a.oloyede@hpacorporateresourcing.com,
 t.onoja@hpacorporateresourcing.com,
 c.ekezie@hpacorporateresourcing.com
Delivery-date: Mon, 22 Jan 2024 09:19:24 +0000
From: Chima Nkwocha <chinkwocha@unionbankng.com>
To: "c.ekezie@hpacorporateresourcing.com"
	<c.ekezie@hpacorporateresourcing.com>
CC: "t.onoja@hpacorporateresourcing.com" <t.onoja@hpacorporateresourcing.com>,
	"a.oloyede@hpacorporateresourcing.com"
	<a.oloyede@hpacorporateresourcing.com>, Ikechukwu Okoroafor
	<ipokoroafor@unionbankng.com>, Paschal Ogbaisi <peogbaisi@unionbankng.com>,
	Louis Idunoba <loidunoba@unionbankng.com>
Subject: RE: Audit Terms Of Reference - HPA Corporate Resourcing Ltd - January
 2024
Thread-Topic: Audit Terms Of Reference - HPA Corporate Resourcing Ltd -
 January 2024
Thread-Index: AdpKCX7/PV+yBosdTeGeksQQ2dXyigDCkQ7g
Date: Mon, 22 Jan 2024 09:17:47 +0000
Message-ID:
 <AM6PR0202MB34795D66E0FC83EDD1C6D7DEDC752@AM6PR0202MB3479.eurprd02.prod.outlook.com>
References:
 <AM6PR0202MB34790B1F33CA12B1C32044F3DC712@AM6PR0202MB3479.eurprd02.prod.outlook.com>
In-Reply-To:
 <AM6PR0202MB34790B1F33CA12B1C32044F3DC712@AM6PR0202MB3479.eurprd02.prod.outlook.com>
Accept-Language: en-US
Content-Language: en-US
msip_labels:
 MSIP_Label_03d96ae2-7aea-434c-a264-9d68af7a5741_ActionId=59b4edd7-4ec1-4345-802b-0f5dd890e763;MSIP_Label_03d96ae2-7aea-434c-a264-9d68af7a5741_ContentBits=0;MSIP_Label_03d96ae2-7aea-434c-a264-9d68af7a5741_Enabled=true;MSIP_Label_03d96ae2-7aea-434c-a264-9d68af7a5741_Method=Standard;MSIP_Label_03d96ae2-7aea-434c-a264-9d68af7a5741_Name=03d96ae2-7aea-434c-a264-9d68af7a5741;MSIP_Label_03d96ae2-7aea-434c-a264-9d68af7a5741_SetDate=2024-01-18T12:14:49Z;MSIP_Label_03d96ae2-7aea-434c-a264-9d68af7a5741_SiteId=679a7b5d-668c-49de-901c-71c1cade6959;
authentication-results: dkim=none (message not signed)
 header.d=none;dmarc=none action=none header.from=unionbankng.com;
x-ms-publictraffictype: Email
x-ms-traffictypediagnostic: AM6PR0202MB3479:EE_|AS8PR02MB7029:EE_
x-ms-office365-filtering-correlation-id: 11a9f3ca-6257-448a-950e-08dc1b2affc0
x-ms-exchange-senderadcheck: 1
x-ms-exchange-antispam-relay: 0
x-microsoft-antispam: BCL:0;
x-microsoft-antispam-message-info:
 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
x-forefront-antispam-report:
 CIP:255.255.255.255;CTRY:;LANG:en;SCL:1;SRV:;IPV:NLI;SFV:NSPM;H:AM6PR0202MB3479.eurprd02.prod.outlook.com;PTR:;CAT:NONE;SFS:(13230031)(136003)(376002)(346002)(396003)(366004)(39850400004)(230373577357003)(230922051799003)(230473577357003)(64100799003)(451199024)(186009)(1800799012)(26005)(6506007)(107886003)(71200400001)(7696005)(9686003)(53546011)(83380400001)(5660300002)(2906002)(30864003)(38070700009)(41300700001)(52536014)(478600001)(19627235002)(450100002)(54906003)(64756008)(66476007)(4326008)(8936002)(8676002)(66446008)(76116006)(66946007)(316002)(6916009)(66556008)(33656002)(86362001)(122000001)(166002)(38100700002)(99936003)(55016003)(579004)(559001);DIR:OUT;SFP:1101;
x-ms-exchange-antispam-messagedata-chunkcount: 1
x-ms-exchange-antispam-messagedata-0:
 =?us-ascii?Q?rM4IrouGHYsiFlgjG/NxmliCvePld07JEEA6TOn4cg+9HGitm4wwMKHb7dld?=
 =?us-ascii?Q?ZeOSHUyqwzqjnohqX9+DgaM73k8GO2nXlbba8NDf7Qt1lDRLeSokkmp7G12D?=
 =?us-ascii?Q?eV0pErKruYLuBaCCtqtzHHcZVVs4oI5Um4byZtp4/5EncdsRJx2dAT8Uqr8H?=
 =?us-ascii?Q?M8/qqgcXk7UwkbjPI4/wYtVh8dTmF7dNwR35AUxnpvQTVH9f3r95yTln9Vhr?=
 =?us-ascii?Q?4k7xky06c+6zCkxs0a+veIYSWNbS9WKWJzvrJ67A4Y7Ny6o+utCR1E+26+KH?=
 =?us-ascii?Q?40JtgQmLwV9aqUH+SGDOD6nBT6nbgWZ3f83EQ8Zh224wBzjfneks+Hc0p5rM?=
 =?us-ascii?Q?o7ryG7leRbUs2XWyH6nh3yt/E65peaa8f55ENiUScyQDJKzBrwe9cKgJKLce?=
 =?us-ascii?Q?1IgP2g/FnVYZ9c/BqwOmjlmai+gSy+XCUid5PsWJaBZzTDqrNUgn/oRbSo/a?=
 =?us-ascii?Q?rfhYJ8aDXzwfwxL5Y0Q4Fepg/+vmcG9pEiDlw6UCQONvNuf4bMReFtwDpy54?=
 =?us-ascii?Q?9NM+X9PgA1QCqU8xX7e8Kk/b5yprqrGSKBKbsbj/TrXZ1lvEck4emKauG3aT?=
 =?us-ascii?Q?CJjVJM2ZYnRZVoAG7sJ/IRirnkc/4V2oK/aLebZxoEYXkMKUPgaW8r0M1j6F?=
 =?us-ascii?Q?psngVjz0Wg2qywL+qvyHdn19xR3ND7iVtpxM8mrkDGChUSYWt8E0DgFr+AoJ?=
 =?us-ascii?Q?gXK6RrBsN0+1K5hU+UmIHipirM+0hTIRqRKR1Z97j70lwgaPzplJ37DH6S2p?=
 =?us-ascii?Q?//slIH3R3czcmxVV82Fc63+uI3I5qaf1U4/U6B8XmgkbKs1Oxy54d/l3lgIY?=
 =?us-ascii?Q?r+Q9p+KCBryJjUvNYsEHdyYYemj3UD4XHTm2Gg1/fPBZNSOPb5TrvyLWABQs?=
 =?us-ascii?Q?wnSROn6+HpcGzi8RN/x3LpDCwtbFaei9GyRsFaWuPrUXei9Y+xCZhMya2ks3?=
 =?us-ascii?Q?fYo14+tq4CLM2bXC0zIbF8mv8ynUt8Eg8AvnUfpRdvkGHSn5UUm2iFdiQ8YW?=
 =?us-ascii?Q?tTOHwEHmRWrmqs9wZ8OSJRXqF+mr4Gf3bkm6MqAgJyoYhlDpuI0iw/9BjxJ7?=
 =?us-ascii?Q?RMxmKFUxFiSgi3HP/OE+QuYtMOigWA+LUrCG6Y36IvFXgLf7ukr6J1HfW3sC?=
 =?us-ascii?Q?+XDQzDRRE/qwSGRInfCx9MVhOZcaTN6s9ynKBDIEPLLSr41Xb99dkJBGsq7S?=
 =?us-ascii?Q?vgWDSaY7X31nF/Ft5l+h6YM9M3FcApm3seTUcmU0XimHNNIVoj3rtvo/LVTc?=
 =?us-ascii?Q?Bvs12olc8Z8aDYYPM7/1MZ5mAknVMXkr5nWXGzabYuQ6vL/qJ5I3JQbSxoa7?=
 =?us-ascii?Q?GwxMyqYmIUpF5e1HOMYkihQbm9+YoHfxa5qOBabheHxeBaCF5cX42SaaaVBt?=
 =?us-ascii?Q?7wYmWQX6mTWhEZaexxAPCtq0dQ3+cScEcAJ49d6CMfxk8N1wfVxKaSRPnUHI?=
 =?us-ascii?Q?/RszOr+EM43OYP8mh6fMpLH5LTg2gAiJMhu/gULdmSHjGLSttNAFGFsQkkS6?=
 =?us-ascii?Q?9EpVJVPrdLqZ/CZGXDdHjjx8Xxu9n8w4KN1wwL9MFTxhiuIbDCwdbwzw+lWI?=
 =?us-ascii?Q?h5+elUn8O39sEcgGaAmOOXY1a5jRyajw9CcCTOGy?=
Content-Type: multipart/related;
	boundary="_011_AM6PR0202MB34795D66E0FC83EDD1C6D7DEDC752AM6PR0202MB3479_";
	type="multipart/alternative"
MIME-Version: 1.0
X-OriginatorOrg: unionbankng.com
X-MS-Exchange-CrossTenant-AuthAs: Internal
X-MS-Exchange-CrossTenant-AuthSource: AM6PR0202MB3479.eurprd02.prod.outlook.com
X-MS-Exchange-CrossTenant-Network-Message-Id: 11a9f3ca-6257-448a-950e-08dc1b2affc0
X-MS-Exchange-CrossTenant-originalarrivaltime: 22 Jan 2024 09:17:47.3041
 (UTC)
X-MS-Exchange-CrossTenant-fromentityheader: Hosted
X-MS-Exchange-CrossTenant-id: 679a7b5d-668c-49de-901c-71c1cade6959
X-MS-Exchange-CrossTenant-mailboxtype: HOSTED
X-MS-Exchange-CrossTenant-userprincipalname: SUebxk66Z+kcqq4QQbq2rz6cFiAcNai8CFw9Z3m9hYJt8MhgAsppoW3elhqRQkeWLcICxRSCwsGe3F1oOnlyP4Xe6VzzdxvOYPkHnYZkfi0=
X-MS-Exchange-Transport-CrossTenantHeadersStamped: AS8PR02MB7029
X-Spam-Status: No, score=2.8
X-Spam-Score: 28
X-Spam-Bar: ++
X-Ham-Report: Spam detection software, running on the system "server1.hpierson.com",
 has NOT identified this incoming email as spam.  The original
 message has been attached to this so you can view it or label
 similar future email.  If you have any questions, see
 root\@localhost for details.
 Content preview:  Dear Cynthia, Reminder.. [cid:image008.jpg@01DA4D1C.3A9901E0]
    
 Content analysis details:   (2.8 points, 5.0 required)
  pts rule name              description
 ---- ---------------------- --------------------------------------------------
  0.0 URIBL_BLOCKED          ADMINISTRATOR NOTICE: The query to URIBL was
                             blocked.  See
                             http://wiki.apache.org/spamassassin/DnsBlocklists#dnsbl-block
                              for more information.
                             [URIs: unionbankng.com]
 -0.0 SPF_HELO_PASS          SPF: HELO matches SPF record
  0.0 HTML_MESSAGE           BODY: HTML included in message
 -0.1 DKIM_VALID_AU          Message has a valid DKIM or DK signature from
                             author's domain
  0.1 DKIM_SIGNED            Message has a DKIM or DK signature, not necessarily
                             valid
 -0.1 DKIM_VALID             Message has at least one valid DKIM or DK signature
 -0.1 DKIM_VALID_EF          Message has a valid DKIM or DK signature from
                             envelope-from domain
  0.8 CPANEL_LOTS_OF_EMPTY_LINE RAW: Spam that has large block of
                             empty lines
  0.8 KAM_LOTTO1             Likely to be an e-Lotto Scam Email
  0.5 KAM_NUMSUBJECT         Subject ends in numbers excluding current years
  1.0 FORGED_SPF_HELO        No description available.
 -0.0 T_SCC_BODY_TEXT_LINE   No description available.
X-Spam-Flag: NO

--_011_AM6PR0202MB34795D66E0FC83EDD1C6D7DEDC752AM6PR0202MB3479_
Content-Type: multipart/alternative;
	boundary="_000_AM6PR0202MB34795D66E0FC83EDD1C6D7DEDC752AM6PR0202MB3479_"

--_000_AM6PR0202MB34795D66E0FC83EDD1C6D7DEDC752AM6PR0202MB3479_
Content-Type: text/plain; charset="us-ascii"
Content-Transfer-Encoding: quoted-printable

Dear Cynthia,

Reminder..


[cid:image008.jpg@01DA4D1C.3A9901E0]



Sensitivity: Internal document for Union Bank

From: Chima Nkwocha
Sent: Thursday, January 18, 2024 1:26 PM
To: c.ekezie@hpacorporateresourcing.com
Cc: t.onoja@hpacorporateresourcing.com; a.oloyede@hpacorporateresourcing.co=
m; Frank Ehikioya <FAEHIKIOYA@unionbankng.com>; Princewill Abumere <poabume=
re@unionbankng.com>; Ikechukwu Okoroafor <ipokoroafor@unionbankng.com>; Pas=
chal Ogbaisi <peogbaisi@unionbankng.com>; Louis Idunoba <loidunoba@unionban=
kng.com>; Victor Ikeneku <VOIKENEKU@unionbankng.com>
Subject: Audit Terms Of Reference - HPA Corporate Resourcing Ltd - January =
2024

Dear Cynthia,

Following our telephone conversation, please find attached Terms of Referen=
ce and Audit Requirements for the audit engagement.





Terms of Reference

Objective and Rationale

Please be informed that in accordance with our Audit Plan, the Business Ena=
bling Audit Unit will commence the audit of HPA Corporate Resourcing Ltd on=
 January 22, 2024, with Terms of Reference as detailed below:



Objectives:

*  To ascertain if outsourcing Vendors remitted all statutory deductions re=
ceived on behalf of their staff to the relevant agencies/ authorities.

*  To ascertain if amount remitted by the outsourcing vendors are complete =
and the remittances done within the stipulated regulatory time-frame.

*  To ascertain if necessary insurance covers were taken by the Vendor for =
her staff as required by law.



Rationale

HPA Corporate Resourcing Ltd is an outsourced Vendor and in its normal cour=
se of business is engaged in the provision of personnel and business proces=
s outsourcing services to the Bank.
The audit is to provide assurance to UBN Management that the terms & condit=
ions of the Service Level Agreement signed by both parties regarding statut=
ory remittances for staff on secondment to the bank are being fully impleme=
 Dear Tomi,

Following our telephone conversation, please find attached Terms of Referen=
ce and Audit Requirements for the audit engagement.
nted



Audit Scope

*      Review of statutory deductions; PAYE, Pension and NHF

*      Review remittances made to of statutory bodies.

*      Review of regulatory compliance with respect to insurance policies (=
Personal Accident, Fidelity Guarantee, and Group Life Insurance).



Scope Duration

*         Between December 31, 2022, and December 31, 2023



Scope Exclusion

*The review will not cover other areas of the outsourcing agreement.



Approach

*         During the audit, we will communicate any control weaknesses as t=
hey are identified.

*         Material control weaknesses will be recorded as Issues to agree a=
nd track corrective action.

*         Prior to commencing the audit fieldwork or latest at the opening =
meeting, we will obtain via mail any known control issues that auditees hav=
e identified and the action plan to address them using attached IKBAM templ=
ate.

*         Issues and Management Actions will be included in the draft and f=
inal audit reports together with our assessment of the control framework an=
d the effectiveness of risk management.

*         A feedback questionnaire would be administered at the end of the =
audit.

Control Framework Assessment:

Risk Types:
Operational Risk
Financial Risk
Fraud Risk
Reputation Risk
Regulatory Risk
Compliance Risk





Process Classification:
Statutory deductions
Remittances of statutory deductions
Insurance Policies





Control Framework Components:

Monitoring

Information & Communication

Control Activities

Risk Assessment

Control Environment




In scope:

Ref

Topic

Scope Area

Risk Description & Type

Process Category

1.

Review of statutory deductions, such as:

  *   PAYE
  *   Pension
  *   NHF


Statutory Deductions

  *   Inaccurate deductions of Pay as you earn.
  *   Incorrect computation of Pension contributions by both employees and =
employers
  *   Wrong calculation of National housing funds deductions.

Statutory Deductions

2.

Review of remittances to statutory bodies,
Remittances of statutory deductions


Delay in remitting deductions to relevant statutory bodies such as:

  *   State Tax Authorities
  *   Pension Fund Administrators
  *   Federal Mortgage Bank

Remittances of statutory deductions

3.

Obtaining Insurance cover for her staff.

Insurance Policies

Insurance policies not being taken by Vendors for her staff as required by =
law.

Insurance Policies


Report Distribution List

Name

Title

Business Unit

Draft Report

Final Report

Miyen Swomen

Head of Department

Human Resources Department

N

Y

Princewill Abumere

Unit Head, H.R Shared Services

Human Resources Department

N

Y

Victor Ikeneku

Chief Audit Executive

Internal Audit Department

N

Y



Audit Team:

Position

Name

Contact Number

Team Lead

Chima Nkwocha

5888

Engagement Manager

Louis Idunoba

5888



Key Milestones:

Milestones

Date

Start Fieldwork

22/01/2024

End Fieldwork

02/02/2024

Draft Report

02/02/2024

Final Report

03/02/2024



Furthermore, to ensure an engaging, value adding and successful audit exerc=
ise, we solicit utmost co-operation of auditees with the audit team to ensu=
re that the exercise is concluded within the timeline specified above. In a=
ddition, we will appreciate if a liaison officer could be communicated to u=
s who will be responsible for coordinating requested documents and informat=
ion.

























3.0 APPENDIX
Reports are graded in relation to the findings identified against the agree=
d scope and reflect the nature of the findings from the review and their co=
llective effect in relation to the scope of that review, combined with the =
overall assessment of the review team.

3.2.        Observations rating criteria
Audit findings are objectively graded in relation to the likelihood of occu=
rrence and impact of a risk crystallization on the Bank's objectives. These=
 are further explained in the texts and tables below.

Description
New Definition
High

  *   A risk that could have a significant impact on operational performanc=
e, reputation, brand or threaten the Bank's future viability.
  *   It represents a risk that have led or could lead to breach of extant =
laws and regulations and could result in major fine(s).
  *   There exists a breakdown of controls, leading to major operational we=
aknesses causing or could cause disruptions to process or Bank's business.
  *   Issue has above average likelihood of occurring and would have a high=
 impact on the Bank's business when it occurs, based on existing processes/=
controls.
  *   Issue requires urgent management action.
Medium
*  A risk that could have a moderate impact on operational performance, rep=
utation, brand or threaten the Bank's future viability.
*  There exists notable control weakness, which could have or is having som=
e adverse effect on the ability to achieve Bank's business objectives.
*  Issues have average likelihood of occurring and average impact on the Ba=
nk's business when it occurs, based on existing processes/controls.
*  Issue needs to be addressed at the first available opportunity and requi=
res management medium term action.
Low
*         A risk that could have a minor impact on operational performance,=
 reputation, brand or threaten the Bank's future viability.
*         There exist minor control weaknesses with minimal but reportable =
impact.
*         Issues might have little minor impact on operations but considere=
d industry best practice if implemented.
*         Issues have below average likelihood of occurring and minor impac=
t on the Bank's business when it occurs, based on existing processes/contro=
ls.
*         Management should consider action within a reasonable time (prefe=
rably within a year)
Process Improvement
*         Issue does represent a minor control weakness but there is scope =
for improving control efficiency through rationalisation or minor process r=
e-engineering.
*         No existing policy or Standard Operating Manual (SOM), guiding de=
cision around this risk.
*         Should be between medium to low on management list of priorities =
or can be combined with other initiatives.
 Impact =3D The effect a single occurrence of that risk will have upon the =
achievement of the Bank's goals and objectives



Rating
Weight
Definition
Significant
5
A risk event, if it occurs, will have a severe impact on achieving desired =
results, to the extent that one or more of its critical outcome objectives =
will not be achieved.
High
4
A risk event that, if it occurs, will have a high impact on achieving desir=
ed results, to the extent that one or more stated outcome objectives will f=
all below acceptable levels.
Moderate
3
A risk event that, if it occurs, will have a moderate impact on achieving d=
esired results, to the extent that one or more stated outcome objectives wi=
ll fall well below goals but above minimum acceptable levels.
Minor
2
A risk event that, if it occurs, will have a minor impact on achieving desi=
red results to the extent that one or more stated outcome objectives will f=
all below goals but well above minimum acceptable levels.
Insignificant
1
A risk event, if it occurs, will have little or no impact on achieving outc=
ome objectives.

Likelihood =3D The probability that a risk will become reality at the Bank.
Rating
Weight
Likelihood of occurrence
Frequency
Almost Certain
5
Will occur in most circumstances
At least monthly
Likely
4
Probably occur in most circumstances
Once in every quarter
Possible
3
Should occur at some time
Annually
Unlikely
2
May occur at some time
once in every 5 years
Rare
1
May occur in exceptional circumstances
Once in 10 years

Risk Grid
[cid:image009.png@01DA4D1C.3A9901E0]



IMPACT


1
2
3
4
5
5
Medium
Medium
High
High
High
4
Low
Medium
Medium
High
High
3
Low
Medium
Medium
Medium
High
2
Low
Low
Medium
Medium
Medium
1
Low
Low
Low
Low
Medium


                 Audit Ratings Definition
Distribution of Audit Exceptions
Definition
Rating Criteria
High Risk
Medium Risk
Low
Risk
Satisfactory (75 - 100%)
Controls evaluated are adequate, appropriate, and effective to provide reas=
onable assurance that risks are being managed and objectives should be met.

Exceptions noted should be resolved by management without the intervention =
of the Board within a time frame not exceeding of one (1) month.
Note: Where there are severe regulatory issues, fraudulent issues and repea=
t findings, final overall audit report rating will be stepped down to Needs=
 Improvement or Unsatisfactory report.
One major control weakness noted i.e., one high risk exception.






Rating
H
M
L
%
14%
43%
43%






   Pentana Rating Score              75 - 100%
Needs
Improvement
(60 - 74.99%)
A few specific or numerous control weaknesses were noted. Generally, howeve=
r, controls evaluated are adequate, appropriate, and effective to provide r=
easonable assurance that risks are being managed and objectives should be m=
et.

Exceptions noted should be resolved by management without the intervention =
of the Board within a time frame of (1-2) months.
Note: Where there are severe regulatory issues, fraudulent issues and repea=
t findings, the final overall audit report rating will be stepped down to N=
eeds Improvement or
Unsatisfactory report.
Only two major control weakness noted i.e., not more than two high risk exc=
eption noted.




Rating
H
M
L

%
20%
30%
50%






    Pentana Rating Score
          60 - 74.99%


Unsatisfactory
(Below
60.00%)
An "unsatisfactory" rating reflects significant weaknesses in the systems o=
f internal controls or processes for monitoring

performance and indicates that immediate corrective action must be taken to=
 prevent serious exposure to loss of income or assets or to financial misst=
atement, penalties, fines, and brand diminution.
Several critical control observations were noted which require immediate ma=
nagement action.

Untimely interference exposes the bank to unacceptable level of risk.

Any performance below ''Needs Improvement'' rating.

      Pentana Rating Score
          Below 60.00%


Thank you.
Chima Nkwocha
Team Member Branch and Services Audit, Internal Audit
Email: chinkwocha@unionbankng.com<mailto:chinkwocha@unionbankng.com>
Mobile: +2347015511426
[cid:image010.png@01DA4D1C.3A9901E0]
www.unionbankng.com<http://www.unionbankng.com/>
[Facebook]<http://>     [Twitter] <http://>     [LinkedIn] <http://>     [c=
id:image014.png@01DA4D1C.3A9901E0] <https://itunes.apple.com/ng/app/unionmo=
bile-1-2/id1253595309?mt=3D8>     [cid:image015.png@01DA4D1C.3A9901E0] <htt=
ps://play.google.com/store/apps/details?id=3Dcom.ceva.ubmobile.stallion&hl=
=3Den>



[cid:image008.jpg@01DA4D1C.3A9901E0]

Disclaimer

This email including the attached files may contain confidential and privil=
eged information for the sole use of the designated recipient and the views=
 expressed therein do not represent the views of Union Bank except where sp=
ecifically stated. Any review, use , distribution or disclosure by others i=
s strictly prohibited. If you are not the designated recipient(or authorize=
d to receive information for the designated recipient), please contact the =
sender by reply email and delete all copies of this message. Union Bank wil=
l not accept any liability for loss or damage arising directly or indirectl=
y from the transmission of this message.

Union Bank of Nigeria PLC <http://www.unionbankng.com/>


--_000_AM6PR0202MB34795D66E0FC83EDD1C6D7DEDC752AM6PR0202MB3479_
Content-Type: text/html; charset="us-ascii"
Content-Transfer-Encoding: quoted-printable

<html xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:o=3D"urn:schemas-micr=
osoft-com:office:office" xmlns:w=3D"urn:schemas-microsoft-com:office:word" =
xmlns:m=3D"http://schemas.microsoft.com/office/2004/12/omml" xmlns=3D"http:=
//www.w3.org/TR/REC-html40">
<head>
<meta http-equiv=3D"Content-Type" content=3D"text/html; charset=3Dus-ascii"=
>
<meta name=3D"Generator" content=3D"Microsoft Word 15 (filtered medium)">
<!--[if !mso]><style>v\:* {behavior:url(#default#VML);}
o\:* {behavior:url(#default#VML);}
w\:* {behavior:url(#default#VML);}
.shape {behavior:url(#default#VML);}
</style><![endif]--><style><!--
/* Font Definitions */
@font-face
	{font-family:Wingdings;
	panose-1:5 0 0 0 0 0 0 0 0 0;}
@font-face
	{font-family:"Cambria Math";
	panose-1:2 4 5 3 5 4 6 3 2 4;}
@font-face
	{font-family:Calibri;
	panose-1:2 15 5 2 2 2 4 3 2 4;}
@font-face
	{font-family:"Segoe UI Symbol";
	panose-1:2 11 5 2 4 2 4 2 2 3;}
@font-face
	{font-family:Tahoma;
	panose-1:2 11 6 4 3 5 4 4 2 4;}
@font-face
	{font-family:Gotham-Rounded-Light;}
@font-face
	{font-family:"EYInterstate Light";}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
	{margin:0cm;
	font-size:10.0pt;
	font-family:"EYInterstate Light";
	mso-fareast-language:EN-US;}
p.MsoBodyText, li.MsoBodyText, div.MsoBodyText
	{mso-style-priority:99;
	mso-style-link:"Body Text Char";
	margin-top:0cm;
	margin-right:0cm;
	margin-bottom:12.0pt;
	margin-left:0cm;
	line-height:12.0pt;
	mso-line-height-rule:exactly;
	font-size:10.0pt;
	font-family:"EYInterstate Light";
	mso-fareast-language:EN-US;}
a:link, span.MsoHyperlink
	{mso-style-priority:99;
	color:#0563C1;
	text-decoration:underline;}
p.MsoListParagraph, li.MsoListParagraph, div.MsoListParagraph
	{mso-style-name:"List Paragraph\,b1\,Number_1\,Number Bullets";
	mso-style-priority:34;
	mso-style-link:"List Paragraph Char\,b1 Char\,Number_1 Char\,Number Bullet=
s Char";
	margin-top:0cm;
	margin-right:0cm;
	margin-bottom:0cm;
	margin-left:36.0pt;
	mso-add-space:auto;
	font-size:11.0pt;
	font-family:"EYInterstate Light";
	mso-fareast-language:EN-US;}
p.MsoListParagraphCxSpFirst, li.MsoListParagraphCxSpFirst, div.MsoListParag=
raphCxSpFirst
	{mso-style-name:"List Paragraph\,b1\,Number_1\,Number BulletsCxSpFirst";
	mso-style-priority:34;
	mso-style-link:"List Paragraph Char\,b1 Char\,Number_1 Char\,Number Bullet=
s Char";
	mso-style-type:export-only;
	margin-top:0cm;
	margin-right:0cm;
	margin-bottom:0cm;
	margin-left:36.0pt;
	mso-add-space:auto;
	font-size:11.0pt;
	font-family:"EYInterstate Light";
	mso-fareast-language:EN-US;}
p.MsoListParagraphCxSpMiddle, li.MsoListParagraphCxSpMiddle, div.MsoListPar=
agraphCxSpMiddle
	{mso-style-name:"List Paragraph\,b1\,Number_1\,Number BulletsCxSpMiddle";
	mso-style-priority:34;
	mso-style-link:"List Paragraph Char\,b1 Char\,Number_1 Char\,Number Bullet=
s Char";
	mso-style-type:export-only;
	margin-top:0cm;
	margin-right:0cm;
	margin-bottom:0cm;
	margin-left:36.0pt;
	mso-add-space:auto;
	font-size:11.0pt;
	font-family:"EYInterstate Light";
	mso-fareast-language:EN-US;}
p.MsoListParagraphCxSpLast, li.MsoListParagraphCxSpLast, div.MsoListParagra=
phCxSpLast
	{mso-style-name:"List Paragraph\,b1\,Number_1\,Number BulletsCxSpLast";
	mso-style-priority:34;
	mso-style-link:"List Paragraph Char\,b1 Char\,Number_1 Char\,Number Bullet=
s Char";
	mso-style-type:export-only;
	margin-top:0cm;
	margin-right:0cm;
	margin-bottom:0cm;
	margin-left:36.0pt;
	mso-add-space:auto;
	font-size:11.0pt;
	font-family:"EYInterstate Light";
	mso-fareast-language:EN-US;}
span.BodyTextChar
	{mso-style-name:"Body Text Char";
	mso-style-priority:99;
	mso-style-link:"Body Text";
	font-family:"EYInterstate Light";}
span.ListParagraphChar
	{mso-style-name:"List Paragraph Char\,b1 Char\,Number_1 Char\,Number Bulle=
ts Char";
	mso-style-priority:34;
	mso-style-link:"List Paragraph\,b1\,Number_1\,Number Bullets";
	font-family:"EYInterstate Light";}
span.BodytextwithparaspaceCharChar
	{mso-style-name:"Body text \(with para space\) Char Char";
	mso-style-link:"Body text \(with para space\)";
	font-family:"Arial",sans-serif;
	mso-fareast-language:EN-US;}
p.Bodytextwithparaspace, li.Bodytextwithparaspace, div.Bodytextwithparaspac=
e
	{mso-style-name:"Body text \(with para space\)";
	mso-style-link:"Body text \(with para space\) Char Char";
	margin-top:0cm;
	margin-right:0cm;
	margin-bottom:12.0pt;
	margin-left:0cm;
	text-indent:0cm;
	mso-list:l9 level5 lfo2;
	font-size:11.0pt;
	font-family:"Arial",sans-serif;
	mso-fareast-language:EN-US;}
span.Headingstyle3CharChar
	{mso-style-name:"Heading style 3 Char Char";
	mso-style-link:"Heading style 3";
	font-family:"Arial",sans-serif;
	font-weight:bold;}
p.Headingstyle3, li.Headingstyle3, div.Headingstyle3
	{mso-style-name:"Heading style 3";
	mso-style-link:"Heading style 3 Char Char";
	margin-top:6.0pt;
	margin-right:0cm;
	margin-bottom:6.0pt;
	margin-left:0cm;
	page-break-after:avoid;
	font-size:12.0pt;
	font-family:"Arial",sans-serif;
	mso-fareast-language:EN-US;
	font-weight:bold;}
p.Subheading, li.Subheading, div.Subheading
	{mso-style-name:Subheading;
	margin-top:0cm;
	margin-right:0cm;
	margin-bottom:6.0pt;
	margin-left:0cm;
	page-break-after:avoid;
	font-size:10.0pt;
	font-family:"Arial",sans-serif;
	mso-fareast-language:EN-US;
	font-weight:bold;}
p.TableTextstyle, li.TableTextstyle, div.TableTextstyle
	{mso-style-name:"Table Text style";
	margin-top:3.0pt;
	margin-right:0cm;
	margin-bottom:3.0pt;
	margin-left:0cm;
	font-size:8.0pt;
	font-family:"Arial",sans-serif;
	mso-fareast-language:EN-US;}
p.TableHeadings, li.TableHeadings, div.TableHeadings
	{mso-style-name:"Table Headings";
	margin-top:3.0pt;
	margin-right:0cm;
	margin-bottom:3.0pt;
	margin-left:0cm;
	font-size:8.0pt;
	font-family:"Arial",sans-serif;
	mso-fareast-language:EN-US;
	font-weight:bold;}
p.Tabletextbold, li.Tabletextbold, div.Tabletextbold
	{mso-style-name:"Table text bold";
	margin-top:3.0pt;
	margin-right:0cm;
	margin-bottom:3.0pt;
	margin-left:0cm;
	font-size:8.0pt;
	font-family:"Arial",sans-serif;
	mso-fareast-language:EN-US;
	font-weight:bold;}
p.Appendix, li.Appendix, div.Appendix
	{mso-style-name:Appendix;
	margin-top:0cm;
	margin-right:0cm;
	margin-bottom:18.0pt;
	margin-left:4.0cm;
	text-indent:-4.0cm;
	font-size:16.0pt;
	font-family:"Arial",sans-serif;
	color:#44546A;
	mso-fareast-language:EN-US;
	font-weight:bold;}
p.Default, li.Default, div.Default
	{mso-style-name:Default;
	margin:0cm;
	text-autospace:none;
	font-size:12.0pt;
	font-family:"Arial",sans-serif;
	color:black;}
p.NormalBorderBlack, li.NormalBorderBlack, div.NormalBorderBlack
	{mso-style-name:"Normal Border \(Black\)";
	margin-top:1.0pt;
	margin-right:0cm;
	margin-bottom:1.0pt;
	margin-left:0cm;
	font-size:10.0pt;
	font-family:"Tahoma",sans-serif;}
span.EmailStyle35
	{mso-style-type:personal-reply;
	font-family:"Arial",sans-serif;
	color:windowtext;}
.MsoChpDefault
	{mso-style-type:export-only;
	font-size:10.0pt;
	mso-ligatures:none;}
@page WordSection1
	{size:612.0pt 792.0pt;
	margin:72.0pt 72.0pt 72.0pt 72.0pt;}
div.WordSection1
	{page:WordSection1;}
/* List Definitions */
@list l0
	{mso-list-id:-2;
	mso-list-type:simple;
	mso-list-template-ids:1508956664;}
@list l0:level1
	{mso-level-number-format:bullet;
	mso-level-text:*;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:0cm;
	text-indent:0cm;}
@list l1
	{mso-list-id:160243098;
	mso-list-template-ids:-1898175502;}
@list l1:level1
	{mso-level-start-at:3;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:18.0pt;
	text-indent:-18.0pt;}
@list l1:level2
	{mso-level-start-at:2;
	mso-level-text:"%1\.%2\.";
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:36.0pt;
	text-indent:-36.0pt;}
@list l1:level3
	{mso-level-text:"%1\.%2\.%3\.";
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:36.0pt;
	text-indent:-36.0pt;}
@list l1:level4
	{mso-level-text:"%1\.%2\.%3\.%4\.";
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:54.0pt;
	text-indent:-54.0pt;}
@list l1:level5
	{mso-level-text:"%1\.%2\.%3\.%4\.%5\.";
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:54.0pt;
	text-indent:-54.0pt;}
@list l1:level6
	{mso-level-text:"%1\.%2\.%3\.%4\.%5\.%6\.";
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:72.0pt;
	text-indent:-72.0pt;}
@list l1:level7
	{mso-level-text:"%1\.%2\.%3\.%4\.%5\.%6\.%7\.";
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:72.0pt;
	text-indent:-72.0pt;}
@list l1:level8
	{mso-level-text:"%1\.%2\.%3\.%4\.%5\.%6\.%7\.%8\.";
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:90.0pt;
	text-indent:-90.0pt;}
@list l1:level9
	{mso-level-text:"%1\.%2\.%3\.%4\.%5\.%6\.%7\.%8\.%9\.";
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:90.0pt;
	text-indent:-90.0pt;}
@list l2
	{mso-list-id:180778001;
	mso-list-type:hybrid;
	mso-list-template-ids:632463792 2071618064 1481439222 561929046 1321924492=
 1283771206 -1338056660 -2116894088 556201094 1992983246;}
@list l2:level1
	{mso-level-number-format:bullet;
	mso-level-text:\2022;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:12.5pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:Arial;
	mso-fareast-font-family:Arial;
	mso-hansi-font-family:Arial;
	mso-bidi-font-family:Arial;
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l2:level2
	{mso-level-number-format:bullet;
	mso-level-text:o;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:59.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:"Segoe UI Symbol";
	mso-fareast-font-family:"Segoe UI Symbol";
	mso-hansi-font-family:"Segoe UI Symbol";
	mso-bidi-font-family:"Segoe UI Symbol";
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l2:level3
	{mso-level-number-format:bullet;
	mso-level-text:\25AA;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:95.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:"Segoe UI Symbol";
	mso-fareast-font-family:"Segoe UI Symbol";
	mso-hansi-font-family:"Segoe UI Symbol";
	mso-bidi-font-family:"Segoe UI Symbol";
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l2:level4
	{mso-level-number-format:bullet;
	mso-level-text:\2022;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:131.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:Arial;
	mso-fareast-font-family:Arial;
	mso-hansi-font-family:Arial;
	mso-bidi-font-family:Arial;
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l2:level5
	{mso-level-number-format:bullet;
	mso-level-text:o;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:167.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:"Segoe UI Symbol";
	mso-fareast-font-family:"Segoe UI Symbol";
	mso-hansi-font-family:"Segoe UI Symbol";
	mso-bidi-font-family:"Segoe UI Symbol";
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l2:level6
	{mso-level-number-format:bullet;
	mso-level-text:\25AA;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:203.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:"Segoe UI Symbol";
	mso-fareast-font-family:"Segoe UI Symbol";
	mso-hansi-font-family:"Segoe UI Symbol";
	mso-bidi-font-family:"Segoe UI Symbol";
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l2:level7
	{mso-level-number-format:bullet;
	mso-level-text:\2022;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:239.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:Arial;
	mso-fareast-font-family:Arial;
	mso-hansi-font-family:Arial;
	mso-bidi-font-family:Arial;
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l2:level8
	{mso-level-number-format:bullet;
	mso-level-text:o;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:275.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:"Segoe UI Symbol";
	mso-fareast-font-family:"Segoe UI Symbol";
	mso-hansi-font-family:"Segoe UI Symbol";
	mso-bidi-font-family:"Segoe UI Symbol";
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l2:level9
	{mso-level-number-format:bullet;
	mso-level-text:\25AA;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:311.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:"Segoe UI Symbol";
	mso-fareast-font-family:"Segoe UI Symbol";
	mso-hansi-font-family:"Segoe UI Symbol";
	mso-bidi-font-family:"Segoe UI Symbol";
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l3
	{mso-list-id:331759160;
	mso-list-type:hybrid;
	mso-list-template-ids:1420078264 -1186962618 65854722 438439396 994849446 =
1490444312 -300284168 -1543489920 586054116 -1219337044;}
@list l3:level1
	{mso-level-number-format:bullet;
	mso-level-text:\2022;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:12.5pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:Arial;
	mso-fareast-font-family:Arial;
	mso-hansi-font-family:Arial;
	mso-bidi-font-family:Arial;
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l3:level2
	{mso-level-number-format:bullet;
	mso-level-text:o;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:59.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:"Segoe UI Symbol";
	mso-fareast-font-family:"Segoe UI Symbol";
	mso-hansi-font-family:"Segoe UI Symbol";
	mso-bidi-font-family:"Segoe UI Symbol";
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l3:level3
	{mso-level-number-format:bullet;
	mso-level-text:\25AA;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:95.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:"Segoe UI Symbol";
	mso-fareast-font-family:"Segoe UI Symbol";
	mso-hansi-font-family:"Segoe UI Symbol";
	mso-bidi-font-family:"Segoe UI Symbol";
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l3:level4
	{mso-level-number-format:bullet;
	mso-level-text:\2022;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:131.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:Arial;
	mso-fareast-font-family:Arial;
	mso-hansi-font-family:Arial;
	mso-bidi-font-family:Arial;
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l3:level5
	{mso-level-number-format:bullet;
	mso-level-text:o;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:167.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:"Segoe UI Symbol";
	mso-fareast-font-family:"Segoe UI Symbol";
	mso-hansi-font-family:"Segoe UI Symbol";
	mso-bidi-font-family:"Segoe UI Symbol";
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l3:level6
	{mso-level-number-format:bullet;
	mso-level-text:\25AA;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:203.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:"Segoe UI Symbol";
	mso-fareast-font-family:"Segoe UI Symbol";
	mso-hansi-font-family:"Segoe UI Symbol";
	mso-bidi-font-family:"Segoe UI Symbol";
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l3:level7
	{mso-level-number-format:bullet;
	mso-level-text:\2022;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:239.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:Arial;
	mso-fareast-font-family:Arial;
	mso-hansi-font-family:Arial;
	mso-bidi-font-family:Arial;
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l3:level8
	{mso-level-number-format:bullet;
	mso-level-text:o;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:275.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:"Segoe UI Symbol";
	mso-fareast-font-family:"Segoe UI Symbol";
	mso-hansi-font-family:"Segoe UI Symbol";
	mso-bidi-font-family:"Segoe UI Symbol";
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l3:level9
	{mso-level-number-format:bullet;
	mso-level-text:\25AA;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:311.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:"Segoe UI Symbol";
	mso-fareast-font-family:"Segoe UI Symbol";
	mso-hansi-font-family:"Segoe UI Symbol";
	mso-bidi-font-family:"Segoe UI Symbol";
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l4
	{mso-list-id:764038959;
	mso-list-type:hybrid;
	mso-list-template-ids:-34709832 134807553 134807555 134807557 134807553 13=
4807555 134807557 134807553 134807555 134807557;}
@list l4:level1
	{mso-level-number-format:bullet;
	mso-level-text:\F0B7;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	text-indent:-18.0pt;
	font-family:Symbol;}
@list l4:level2
	{mso-level-number-format:bullet;
	mso-level-text:o;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	text-indent:-18.0pt;
	font-family:"Courier New";}
@list l4:level3
	{mso-level-number-format:bullet;
	mso-level-text:\F0A7;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	text-indent:-18.0pt;
	font-family:Wingdings;}
@list l4:level4
	{mso-level-number-format:bullet;
	mso-level-text:\F0B7;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	text-indent:-18.0pt;
	font-family:Symbol;}
@list l4:level5
	{mso-level-number-format:bullet;
	mso-level-text:o;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	text-indent:-18.0pt;
	font-family:"Courier New";}
@list l4:level6
	{mso-level-number-format:bullet;
	mso-level-text:\F0A7;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	text-indent:-18.0pt;
	font-family:Wingdings;}
@list l4:level7
	{mso-level-number-format:bullet;
	mso-level-text:\F0B7;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	text-indent:-18.0pt;
	font-family:Symbol;}
@list l4:level8
	{mso-level-number-format:bullet;
	mso-level-text:o;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	text-indent:-18.0pt;
	font-family:"Courier New";}
@list l4:level9
	{mso-level-number-format:bullet;
	mso-level-text:\F0A7;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	text-indent:-18.0pt;
	font-family:Wingdings;}
@list l5
	{mso-list-id:830096912;
	mso-list-type:hybrid;
	mso-list-template-ids:-1350243650 1508956664 134807555 134807557 134807553=
 134807555 134807557 134807553 134807555 134807557;}
@list l5:level1
	{mso-level-start-at:0;
	mso-level-number-format:bullet;
	mso-level-text:\F0B7;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:34.35pt;
	text-indent:-18.0pt;
	font-family:Symbol;
	mso-bidi-font-family:Symbol;}
@list l5:level2
	{mso-level-number-format:bullet;
	mso-level-text:o;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:70.35pt;
	text-indent:-18.0pt;
	font-family:"Courier New";}
@list l5:level3
	{mso-level-number-format:bullet;
	mso-level-text:\F0A7;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:106.35pt;
	text-indent:-18.0pt;
	font-family:Wingdings;}
@list l5:level4
	{mso-level-number-format:bullet;
	mso-level-text:\F0B7;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:142.35pt;
	text-indent:-18.0pt;
	font-family:Symbol;}
@list l5:level5
	{mso-level-number-format:bullet;
	mso-level-text:o;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:178.35pt;
	text-indent:-18.0pt;
	font-family:"Courier New";}
@list l5:level6
	{mso-level-number-format:bullet;
	mso-level-text:\F0A7;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:214.35pt;
	text-indent:-18.0pt;
	font-family:Wingdings;}
@list l5:level7
	{mso-level-number-format:bullet;
	mso-level-text:\F0B7;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:250.35pt;
	text-indent:-18.0pt;
	font-family:Symbol;}
@list l5:level8
	{mso-level-number-format:bullet;
	mso-level-text:o;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:286.35pt;
	text-indent:-18.0pt;
	font-family:"Courier New";}
@list l5:level9
	{mso-level-number-format:bullet;
	mso-level-text:\F0A7;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:322.35pt;
	text-indent:-18.0pt;
	font-family:Wingdings;}
@list l6
	{mso-list-id:937561802;
	mso-list-type:hybrid;
	mso-list-template-ids:-154605308 134807553 134807555 134807557 134807553 1=
34807555 134807557 134807553 134807555 134807557;}
@list l6:level1
	{mso-level-number-format:bullet;
	mso-level-text:\F0B7;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	text-indent:-18.0pt;
	font-family:Symbol;}
@list l6:level2
	{mso-level-number-format:bullet;
	mso-level-text:o;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	text-indent:-18.0pt;
	font-family:"Courier New";}
@list l6:level3
	{mso-level-number-format:bullet;
	mso-level-text:\F0A7;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	text-indent:-18.0pt;
	font-family:Wingdings;}
@list l6:level4
	{mso-level-number-format:bullet;
	mso-level-text:\F0B7;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	text-indent:-18.0pt;
	font-family:Symbol;}
@list l6:level5
	{mso-level-number-format:bullet;
	mso-level-text:o;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	text-indent:-18.0pt;
	font-family:"Courier New";}
@list l6:level6
	{mso-level-number-format:bullet;
	mso-level-text:\F0A7;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	text-indent:-18.0pt;
	font-family:Wingdings;}
@list l6:level7
	{mso-level-number-format:bullet;
	mso-level-text:\F0B7;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	text-indent:-18.0pt;
	font-family:Symbol;}
@list l6:level8
	{mso-level-number-format:bullet;
	mso-level-text:o;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	text-indent:-18.0pt;
	font-family:"Courier New";}
@list l6:level9
	{mso-level-number-format:bullet;
	mso-level-text:\F0A7;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	text-indent:-18.0pt;
	font-family:Wingdings;}
@list l7
	{mso-list-id:1303778992;
	mso-list-type:hybrid;
	mso-list-template-ids:190589532 1572925058 -1183805598 612651612 672553992=
 819770784 1270759964 -1723720578 2067307074 1128139650;}
@list l7:level1
	{mso-level-number-format:bullet;
	mso-level-text:\2022;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:12.5pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:Arial;
	mso-fareast-font-family:Arial;
	mso-hansi-font-family:Arial;
	mso-bidi-font-family:Arial;
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l7:level2
	{mso-level-number-format:bullet;
	mso-level-text:o;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:59.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:"Segoe UI Symbol";
	mso-fareast-font-family:"Segoe UI Symbol";
	mso-hansi-font-family:"Segoe UI Symbol";
	mso-bidi-font-family:"Segoe UI Symbol";
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l7:level3
	{mso-level-number-format:bullet;
	mso-level-text:\25AA;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:95.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:"Segoe UI Symbol";
	mso-fareast-font-family:"Segoe UI Symbol";
	mso-hansi-font-family:"Segoe UI Symbol";
	mso-bidi-font-family:"Segoe UI Symbol";
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l7:level4
	{mso-level-number-format:bullet;
	mso-level-text:\2022;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:131.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:Arial;
	mso-fareast-font-family:Arial;
	mso-hansi-font-family:Arial;
	mso-bidi-font-family:Arial;
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l7:level5
	{mso-level-number-format:bullet;
	mso-level-text:o;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:167.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:"Segoe UI Symbol";
	mso-fareast-font-family:"Segoe UI Symbol";
	mso-hansi-font-family:"Segoe UI Symbol";
	mso-bidi-font-family:"Segoe UI Symbol";
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l7:level6
	{mso-level-number-format:bullet;
	mso-level-text:\25AA;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:203.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:"Segoe UI Symbol";
	mso-fareast-font-family:"Segoe UI Symbol";
	mso-hansi-font-family:"Segoe UI Symbol";
	mso-bidi-font-family:"Segoe UI Symbol";
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l7:level7
	{mso-level-number-format:bullet;
	mso-level-text:\2022;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:239.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:Arial;
	mso-fareast-font-family:Arial;
	mso-hansi-font-family:Arial;
	mso-bidi-font-family:Arial;
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l7:level8
	{mso-level-number-format:bullet;
	mso-level-text:o;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:275.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:"Segoe UI Symbol";
	mso-fareast-font-family:"Segoe UI Symbol";
	mso-hansi-font-family:"Segoe UI Symbol";
	mso-bidi-font-family:"Segoe UI Symbol";
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l7:level9
	{mso-level-number-format:bullet;
	mso-level-text:\25AA;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:311.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:"Segoe UI Symbol";
	mso-fareast-font-family:"Segoe UI Symbol";
	mso-hansi-font-family:"Segoe UI Symbol";
	mso-bidi-font-family:"Segoe UI Symbol";
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l8
	{mso-list-id:2005356316;
	mso-list-type:hybrid;
	mso-list-template-ids:1527776486 1554283132 1197505022 -1705619910 1683008=
634 1401876918 1923773006 -1671243874 1602393114 934963480;}
@list l8:level1
	{mso-level-number-format:bullet;
	mso-level-text:\2022;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:12.5pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:Arial;
	mso-fareast-font-family:Arial;
	mso-hansi-font-family:Arial;
	mso-bidi-font-family:Arial;
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l8:level2
	{mso-level-number-format:bullet;
	mso-level-text:o;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:59.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:"Segoe UI Symbol";
	mso-fareast-font-family:"Segoe UI Symbol";
	mso-hansi-font-family:"Segoe UI Symbol";
	mso-bidi-font-family:"Segoe UI Symbol";
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l8:level3
	{mso-level-number-format:bullet;
	mso-level-text:\25AA;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:95.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:"Segoe UI Symbol";
	mso-fareast-font-family:"Segoe UI Symbol";
	mso-hansi-font-family:"Segoe UI Symbol";
	mso-bidi-font-family:"Segoe UI Symbol";
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l8:level4
	{mso-level-number-format:bullet;
	mso-level-text:\2022;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:131.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:Arial;
	mso-fareast-font-family:Arial;
	mso-hansi-font-family:Arial;
	mso-bidi-font-family:Arial;
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l8:level5
	{mso-level-number-format:bullet;
	mso-level-text:o;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:167.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:"Segoe UI Symbol";
	mso-fareast-font-family:"Segoe UI Symbol";
	mso-hansi-font-family:"Segoe UI Symbol";
	mso-bidi-font-family:"Segoe UI Symbol";
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l8:level6
	{mso-level-number-format:bullet;
	mso-level-text:\25AA;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:203.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:"Segoe UI Symbol";
	mso-fareast-font-family:"Segoe UI Symbol";
	mso-hansi-font-family:"Segoe UI Symbol";
	mso-bidi-font-family:"Segoe UI Symbol";
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l8:level7
	{mso-level-number-format:bullet;
	mso-level-text:\2022;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:239.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:Arial;
	mso-fareast-font-family:Arial;
	mso-hansi-font-family:Arial;
	mso-bidi-font-family:Arial;
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l8:level8
	{mso-level-number-format:bullet;
	mso-level-text:o;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:275.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:"Segoe UI Symbol";
	mso-fareast-font-family:"Segoe UI Symbol";
	mso-hansi-font-family:"Segoe UI Symbol";
	mso-bidi-font-family:"Segoe UI Symbol";
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l8:level9
	{mso-level-number-format:bullet;
	mso-level-text:\25AA;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	margin-left:311.65pt;
	text-indent:0cm;
	mso-ansi-font-size:11.0pt;
	mso-bidi-font-size:11.0pt;
	mso-ascii-font-family:"Segoe UI Symbol";
	mso-fareast-font-family:"Segoe UI Symbol";
	mso-hansi-font-family:"Segoe UI Symbol";
	mso-bidi-font-family:"Segoe UI Symbol";
	color:black;
	mso-text-animation:none;
	border:none windowtext 1.0pt;
	mso-border-alt:none windowtext 0cm;
	padding:0cm;
	mso-ansi-font-weight:normal;
	mso-ansi-font-style:normal;
	text-underline:black;
	text-decoration:none;
	text-underline:none;
	text-decoration:none;
	text-line-through:none;
	vertical-align:baseline;}
@list l9
	{mso-list-id:2039427288;
	mso-list-template-ids:863168454;
	mso-list-style-name:ParaNumbering;}
@list l9:level1
	{mso-level-text:"";
	mso-level-tab-stop:0cm;
	mso-level-number-position:left;
	margin-left:0cm;
	text-indent:0cm;
	mso-ansi-font-size:16.0pt;
	color:#7F7E82;
	mso-ansi-font-weight:bold;}
@list l9:level2
	{mso-level-text:"";
	mso-level-tab-stop:0cm;
	mso-level-number-position:left;
	margin-left:0cm;
	text-indent:0cm;
	mso-ansi-font-size:14.0pt;
	color:black;
	mso-ansi-font-weight:bold;
	mso-ansi-font-style:normal;}
@list l9:level3
	{mso-level-reset-level:level2;
	mso-level-text:"";
	mso-level-tab-stop:0cm;
	mso-level-number-position:left;
	margin-left:0cm;
	text-indent:0cm;
	mso-ansi-font-size:12.0pt;
	color:black;
	mso-ansi-font-weight:bold;}
@list l9:level4
	{mso-level-reset-level:level2;
	mso-level-text:"";
	mso-level-tab-stop:0cm;
	mso-level-number-position:left;
	margin-left:0cm;
	text-indent:0cm;
	mso-ansi-font-size:10.0pt;
	color:black;
	mso-ansi-font-weight:bold;}
@list l9:level5
	{mso-level-reset-level:level2;
	mso-level-style-link:"Body text \(with para space\)";
	mso-level-text:"";
	mso-level-tab-stop:0cm;
	mso-level-number-position:left;
	margin-left:0cm;
	text-indent:0cm;
	mso-ansi-font-size:10.0pt;
	color:black;
	mso-ansi-font-weight:normal;}
@list l9:level6
	{mso-level-number-format:none;
	mso-level-text:"";
	mso-level-tab-stop:0cm;
	mso-level-number-position:left;
	margin-left:0cm;
	text-indent:0cm;}
@list l9:level7
	{mso-level-number-format:none;
	mso-level-text:"";
	mso-level-tab-stop:0cm;
	mso-level-number-position:left;
	margin-left:0cm;
	text-indent:0cm;}
@list l9:level8
	{mso-level-number-format:none;
	mso-level-text:"";
	mso-level-tab-stop:0cm;
	mso-level-number-position:left;
	margin-left:0cm;
	text-indent:0cm;}
@list l9:level9
	{mso-level-number-format:none;
	mso-level-text:"";
	mso-level-tab-stop:0cm;
	mso-level-number-position:left;
	margin-left:0cm;
	text-indent:0cm;}
@list l0:level1 lfo3
	{mso-level-number-format:arabic;
	mso-level-numbering:continue;
	mso-level-text:\F0B7;
	mso-level-tab-stop:none;
	mso-level-number-position:left;
	mso-level-legacy:yes;
	mso-level-legacy-indent:0cm;
	mso-level-legacy-space:0cm;
	margin-left:0cm;
	text-indent:0cm;
	font-family:Symbol;
	mso-bidi-font-family:Symbol;}
ol
	{margin-bottom:0cm;}
ul
	{margin-bottom:0cm;}
--></style><!--[if gte mso 9]><xml>
<o:shapedefaults v:ext=3D"edit" spidmax=3D"1026" />
</xml><![endif]--><!--[if gte mso 9]><xml>
<o:shapelayout v:ext=3D"edit">
<o:idmap v:ext=3D"edit" data=3D"1" />
</o:shapelayout></xml><![endif]-->
</head>
<body lang=3D"EN-GB" link=3D"#0563C1" vlink=3D"#954F72" style=3D"word-wrap:=
break-word">
<div class=3D"WordSection1">
<p class=3D"MsoNormal"><span style=3D"font-size:11.0pt;font-family:&quot;Ar=
ial&quot;,sans-serif">Dear Cynthia,<o:p></o:p></span></p>
<p class=3D"MsoNormal"><span style=3D"font-size:11.0pt;font-family:&quot;Ar=
ial&quot;,sans-serif"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoNormal"><span style=3D"font-size:11.0pt;font-family:&quot;Ar=
ial&quot;,sans-serif">Reminder..<o:p></o:p></span></p>
<p class=3D"MsoNormal"><span style=3D"font-size:11.0pt;font-family:&quot;Ar=
ial&quot;,sans-serif"><o:p>&nbsp;</o:p></span></p>
<div>
<p class=3D"MsoNormal"><span style=3D"font-size:11.0pt;font-family:&quot;Ar=
ial&quot;,sans-serif;mso-fareast-language:EN-GB"><o:p>&nbsp;</o:p></span></=
p>
<p class=3D"MsoNormal"><span style=3D"font-size:11.0pt;font-family:&quot;Ar=
ial&quot;,sans-serif;mso-fareast-language:EN-GB"><img width=3D"550" height=
=3D"150" style=3D"width:5.7291in;height:1.5625in" id=3D"_x0000_i1033" src=
=3D"cid:image008.jpg@01DA4D1C.3A9901E0"></span><span style=3D"font-size:11.=
0pt;font-family:&quot;Calibri&quot;,sans-serif;mso-fareast-language:EN-GB">=
<o:p></o:p></span></p>
</div>
<p class=3D"MsoNormal"><span style=3D"font-size:11.0pt;font-family:&quot;Ar=
ial&quot;,sans-serif"><o:p>&nbsp;</o:p></span></p>
<div>
<div style=3D"border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0cm =
0cm 0cm">
<p class=3D"MsoNormal"><b><span lang=3D"EN-US" style=3D"font-size:11.0pt;fo=
nt-family:&quot;Calibri&quot;,sans-serif;mso-fareast-language:EN-GB"><br>
</p>
<p style=3D"font-family:Calibri;font-size:8pt;color:#000000;margin:5pt;font=
-style:normal;font-weight:normal;text-decoration:none;" align=3D"Left">
Sensitivity: Internal document for Union Bank<br>
</p>
From:</span></b><span lang=3D"EN-US" style=3D"font-size:11.0pt;font-family:=
&quot;Calibri&quot;,sans-serif;mso-fareast-language:EN-GB"> Chima Nkwocha
<br>
<b>Sent:</b> Thursday, January 18, 2024 1:26 PM<br>
<b>To:</b> c.ekezie@hpacorporateresourcing.com<br>
<b>Cc:</b> t.onoja@hpacorporateresourcing.com; a.oloyede@hpacorporateresour=
cing.com; Frank Ehikioya &lt;FAEHIKIOYA@unionbankng.com&gt;; Princewill Abu=
mere &lt;poabumere@unionbankng.com&gt;; Ikechukwu Okoroafor &lt;ipokoroafor=
@unionbankng.com&gt;; Paschal Ogbaisi &lt;peogbaisi@unionbankng.com&gt;;
 Louis Idunoba &lt;loidunoba@unionbankng.com&gt;; Victor Ikeneku &lt;VOIKEN=
EKU@unionbankng.com&gt;<br>
<b>Subject:</b> Audit Terms Of Reference - HPA Corporate Resourcing Ltd - J=
anuary 2024<o:p></o:p></span>
<p></p>
</div>
</div>
<p class=3D"MsoNormal"><o:p>&nbsp;</o:p></p>
<p class=3D"MsoNormal"><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;font-=
family:&quot;Arial&quot;,sans-serif;color:black">Dear Cynthia,</span><span =
lang=3D"EN-ZA" style=3D"font-size:12.0pt;font-family:&quot;Arial&quot;,sans=
-serif;color:black"><o:p></o:p></span></p>
<p class=3D"MsoNormal"><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;font-=
family:&quot;Arial&quot;,sans-serif;color:black"><o:p>&nbsp;</o:p></span></=
p>
<p class=3D"MsoNormal"><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;font-=
family:&quot;Arial&quot;,sans-serif">Following our telephone conversation, =
please find attached Terms of Reference and Audit Requirements for the audi=
t engagement.<o:p></o:p></span></p>
<p class=3D"Appendix"><span style=3D"color:#4472C4"><o:p>&nbsp;</o:p></span=
></p>
<p class=3D"Appendix"><span style=3D"color:#4472C4"><o:p>&nbsp;</o:p></span=
></p>
<p class=3D"Appendix"><span style=3D"color:#4472C4">Terms of Reference <o:p=
></o:p></span></p>
<table class=3D"MsoNormalTable" border=3D"0" cellspacing=3D"0" cellpadding=
=3D"0" width=3D"103%" style=3D"width:103.2%;border-collapse:collapse">
<tbody>
<tr style=3D"height:128.25pt">
<td width=3D"60%" valign=3D"top" style=3D"width:60.5%;border-top:solid #447=
2C4 2.25pt;border-left:none;border-bottom:solid #4472C4 2.25pt;border-right=
:none;padding:0cm 5.4pt 0cm 5.4pt;height:128.25pt">
<p class=3D"Tabletextbold" style=3D"text-align:justify"><span style=3D"font=
-size:11.0pt;mso-fareast-language:EN-GB">Objective and Rationale<o:p></o:p>=
</span></p>
<p class=3D"TableTextstyle" style=3D"text-align:justify"><span style=3D"fon=
t-size:11.0pt;mso-fareast-language:EN-GB">Please be informed that in accord=
ance with our Audit Plan, the Business Enabling Audit Unit will commence th=
e audit of
<span style=3D"color:black">HPA Corporate Resourcing Ltd</span></span><b><s=
pan style=3D"font-size:9.0pt;color:black;mso-fareast-language:EN-GB">
</span></b><span style=3D"font-size:11.0pt;mso-fareast-language:EN-GB">on J=
anuary 22, 2024, with Terms of Reference as detailed below:<o:p></o:p></spa=
n></p>
<p class=3D"Tabletextbold" style=3D"text-align:justify"><span style=3D"font=
-size:11.0pt;mso-fareast-language:EN-GB"><o:p>&nbsp;</o:p></span></p>
<p class=3D"Tabletextbold" style=3D"text-align:justify"><span style=3D"font=
-size:11.0pt;mso-fareast-language:EN-GB">Objectives:
<o:p></o:p></span></p>
<p class=3D"MsoListParagraphCxSpFirst" style=3D"margin-left:8.95pt;mso-add-=
space:auto;text-align:justify;text-indent:-7.1pt;line-height:115%;mso-list:=
l0 level1 lfo3">
<![if !supportLists]><span lang=3D"EN-ZA" style=3D"font-family:Symbol;mso-f=
areast-language:EN-GB"><span style=3D"mso-list:Ignore">&middot;<span style=
=3D"font:7.0pt &quot;Times New Roman&quot;">&nbsp;
</span></span></span><![endif]><span lang=3D"EN-ZA" style=3D"font-family:&q=
uot;Arial&quot;,sans-serif;mso-fareast-language:EN-GB">To ascertain if outs=
ourcing Vendors remitted all statutory deductions received on behalf of the=
ir staff to the relevant agencies/ authorities.<o:p></o:p></span></p>
<p class=3D"MsoListParagraphCxSpMiddle" style=3D"margin-left:8.95pt;mso-add=
-space:auto;text-align:justify;text-indent:-7.1pt;line-height:115%;mso-list=
:l0 level1 lfo3">
<![if !supportLists]><span lang=3D"EN-ZA" style=3D"font-family:Symbol;mso-f=
areast-language:EN-GB"><span style=3D"mso-list:Ignore">&middot;<span style=
=3D"font:7.0pt &quot;Times New Roman&quot;">&nbsp;
</span></span></span><![endif]><span lang=3D"EN-ZA" style=3D"font-family:&q=
uot;Arial&quot;,sans-serif;mso-fareast-language:EN-GB">To ascertain if amou=
nt remitted by the outsourcing vendors are complete and the remittances don=
e within the stipulated regulatory time-frame.<o:p></o:p></span></p>
<p class=3D"MsoListParagraphCxSpLast" style=3D"margin-left:8.95pt;mso-add-s=
pace:auto;text-align:justify;text-indent:-7.1pt;line-height:115%;mso-list:l=
0 level1 lfo3">
<![if !supportLists]><span lang=3D"EN-ZA" style=3D"font-family:Symbol;mso-f=
areast-language:EN-GB"><span style=3D"mso-list:Ignore">&middot;<span style=
=3D"font:7.0pt &quot;Times New Roman&quot;">&nbsp;
</span></span></span><![endif]><span lang=3D"EN-ZA" style=3D"font-family:&q=
uot;Arial&quot;,sans-serif;mso-fareast-language:EN-GB">To ascertain if nece=
ssary insurance covers were taken by the Vendor for her staff as required b=
y law.<o:p></o:p></span></p>
<p class=3D"TableTextstyle" style=3D"text-align:justify"><span style=3D"fon=
t-size:11.0pt;mso-fareast-language:EN-GB"><o:p>&nbsp;</o:p></span></p>
<p class=3D"TableTextstyle" style=3D"text-align:justify"><b><span style=3D"=
font-size:11.0pt;mso-fareast-language:EN-GB">Rationale<a name=3D"_Hlk595280=
61"></a><o:p></o:p></span></b></p>
<p class=3D"TableTextstyle" style=3D"text-align:justify"><span style=3D"fon=
t-size:11.0pt;color:black;mso-fareast-language:EN-GB">HPA Corporate Resourc=
ing Ltd</span><b><span style=3D"font-size:9.0pt;color:black;mso-fareast-lan=
guage:EN-GB">
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;mso-fareast-langu=
age:EN-GB">is an outsourced Vendor and in its normal course of business is =
engaged in the provision of personnel and business process outsourcing serv=
ices to the Bank.
</span><b><span style=3D"font-size:11.0pt;mso-fareast-language:EN-GB"><o:p>=
</o:p></span></b></p>
<p class=3D"MsoNormal"><span lang=3D"EN-US" style=3D"font-size:11.0pt;font-=
family:&quot;Arial&quot;,sans-serif">The audit is t</span><span lang=3D"EN-=
ZA" style=3D"font-size:11.0pt;font-family:&quot;Arial&quot;,sans-serif">o
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;font-family:&quot;Ari=
al&quot;,sans-serif;mso-fareast-language:EN-GB">provide assurance to UBN Ma=
nagement that the terms &amp; conditions of the Service Level Agreement sig=
ned by both parties regarding statutory remittances
 for staff on secondment to the bank are being fully impleme</span><span la=
ng=3D"EN-ZA" style=3D"font-size:11.0pt;font-family:&quot;Arial&quot;,sans-s=
erif;color:black">
</span><span style=3D"font-size:11.0pt;font-family:&quot;Arial&quot;,sans-s=
erif;color:black">Dear Tomi,<o:p></o:p></span></p>
<p class=3D"MsoNormal"><span style=3D"font-size:11.0pt;font-family:&quot;Ar=
ial&quot;,sans-serif;color:black"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoNormal"><span style=3D"font-size:11.0pt;font-family:&quot;Ar=
ial&quot;,sans-serif">Following our telephone conversation, please find att=
ached Terms of Reference and Audit Requirements for the audit engagement.<o=
:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"text-align:justify;text-autospace:none"><sp=
an lang=3D"EN-ZA" style=3D"font-size:11.0pt;font-family:&quot;Arial&quot;,s=
ans-serif;mso-fareast-language:EN-GB">nted<o:p></o:p></span></p>
<p class=3D"TableTextstyle" style=3D"text-align:justify"><span style=3D"fon=
t-size:11.0pt;mso-fareast-language:EN-GB"><o:p>&nbsp;</o:p></span></p>
<p class=3D"TableTextstyle" style=3D"text-align:justify"><b><span lang=3D"E=
N-US" style=3D"font-size:11.0pt;mso-fareast-language:EN-GB">Audit Scope<o:p=
></o:p></span></b></p>
<p class=3D"MsoListParagraphCxSpFirst" style=3D"margin-left:16.05pt;mso-add=
-space:auto;text-align:justify;text-indent:-14.2pt;line-height:115%;mso-lis=
t:l0 level1 lfo3;text-autospace:none">
<![if !supportLists]><span lang=3D"EN-ZA" style=3D"font-family:Symbol;mso-f=
areast-language:EN-GB"><span style=3D"mso-list:Ignore">&middot;<span style=
=3D"font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span lang=3D"EN-ZA" style=3D"font-family:&q=
uot;Arial&quot;,sans-serif;mso-fareast-language:EN-GB">Review of statutory =
deductions; PAYE, Pension and NHF<o:p></o:p></span></p>
<p class=3D"MsoListParagraphCxSpMiddle" style=3D"margin-left:16.05pt;mso-ad=
d-space:auto;text-align:justify;text-indent:-14.2pt;line-height:115%;mso-li=
st:l0 level1 lfo3;text-autospace:none">
<![if !supportLists]><span lang=3D"EN-ZA" style=3D"font-family:Symbol;mso-f=
areast-language:EN-GB"><span style=3D"mso-list:Ignore">&middot;<span style=
=3D"font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span lang=3D"EN-ZA" style=3D"font-family:&q=
uot;Arial&quot;,sans-serif;mso-fareast-language:EN-GB">Review remittances m=
ade to of statutory bodies.<o:p></o:p></span></p>
<p class=3D"MsoListParagraphCxSpLast" style=3D"margin-left:16.05pt;mso-add-=
space:auto;text-align:justify;text-indent:-14.2pt;line-height:115%;mso-list=
:l0 level1 lfo3;text-autospace:none">
<![if !supportLists]><span lang=3D"EN-ZA" style=3D"font-family:Symbol;mso-f=
areast-language:EN-GB"><span style=3D"mso-list:Ignore">&middot;<span style=
=3D"font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span lang=3D"EN-ZA" style=3D"font-family:&q=
uot;Arial&quot;,sans-serif;mso-fareast-language:EN-GB">Review of regulatory=
 compliance with respect to insurance policies (Personal Accident, Fidelity=
 Guarantee, and Group Life Insurance).<o:p></o:p></span></p>
<p class=3D"TableTextstyle" style=3D"text-align:justify"><b><span style=3D"=
font-size:11.0pt;mso-fareast-language:EN-GB"><o:p>&nbsp;</o:p></span></b></=
p>
<p class=3D"TableTextstyle" style=3D"text-align:justify"><b><span style=3D"=
font-size:11.0pt;mso-fareast-language:EN-GB">Scope Duration<o:p></o:p></spa=
n></b></p>
<p class=3D"TableTextstyle" style=3D"margin-left:36.0pt;text-indent:-18.0pt=
;mso-list:l0 level1 lfo3">
<![if !supportLists]><span style=3D"font-size:11.0pt;font-family:Symbol;mso=
-fareast-language:EN-GB"><span style=3D"mso-list:Ignore">&middot;<span styl=
e=3D"font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span style=3D"font-size:11.0pt;mso-fareast-=
language:EN-GB">Between
<a name=3D"_Hlk156475577">December 31, 2022, and December 31, 2023</a><o:p>=
</o:p></span></p>
<p class=3D"TableTextstyle" style=3D"text-align:justify"><b><span style=3D"=
font-size:11.0pt;mso-fareast-language:EN-GB"><o:p>&nbsp;</o:p></span></b></=
p>
<p class=3D"TableTextstyle" style=3D"text-align:justify"><b><span style=3D"=
font-size:11.0pt;mso-fareast-language:EN-GB">Scope Exclusion<o:p></o:p></sp=
an></b></p>
<p class=3D"TableTextstyle" style=3D"margin-left:0cm;text-align:justify;tex=
t-indent:0cm;mso-list:l0 level1 lfo3">
<![if !supportLists]><span style=3D"font-size:11.0pt;font-family:Symbol;mso=
-fareast-language:EN-GB"><span style=3D"mso-list:Ignore">&middot;</span></s=
pan><![endif]><span style=3D"font-size:11.0pt;mso-fareast-language:EN-GB">T=
he review will not cover other areas of the outsourcing
 agreement.<o:p></o:p></span></p>
<p class=3D"TableTextstyle" style=3D"text-align:justify"><b><span style=3D"=
font-size:11.0pt;mso-fareast-language:EN-GB"><o:p>&nbsp;</o:p></span></b></=
p>
<p class=3D"TableTextstyle" style=3D"text-align:justify"><b><span style=3D"=
font-size:11.0pt;mso-fareast-language:EN-GB">Approach<o:p></o:p></span></b>=
</p>
<p class=3D"TableTextstyle" style=3D"margin-left:36.0pt;text-align:justify;=
text-indent:-18.0pt;mso-list:l0 level1 lfo3">
<![if !supportLists]><span style=3D"font-size:11.0pt;font-family:Symbol;mso=
-fareast-language:EN-GB"><span style=3D"mso-list:Ignore">&middot;<span styl=
e=3D"font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span style=3D"font-size:11.0pt;mso-fareast-=
language:EN-GB">During the audit, we will communicate any control weaknesse=
s as they are identified.
<o:p></o:p></span></p>
<p class=3D"TableTextstyle" style=3D"margin-left:36.0pt;text-align:justify;=
text-indent:-18.0pt;mso-list:l0 level1 lfo3">
<![if !supportLists]><span style=3D"font-size:11.0pt;font-family:Symbol;mso=
-fareast-language:EN-GB"><span style=3D"mso-list:Ignore">&middot;<span styl=
e=3D"font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span style=3D"font-size:11.0pt;mso-fareast-=
language:EN-GB">Material control weaknesses will be recorded as Issues to a=
gree and track corrective action.&nbsp;
<o:p></o:p></span></p>
<p class=3D"TableTextstyle" style=3D"margin-left:36.0pt;text-align:justify;=
text-indent:-18.0pt;mso-list:l0 level1 lfo3">
<![if !supportLists]><span style=3D"font-size:11.0pt;font-family:Symbol;mso=
-fareast-language:EN-GB"><span style=3D"mso-list:Ignore">&middot;<span styl=
e=3D"font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span style=3D"font-size:11.0pt;mso-fareast-=
language:EN-ZA">Prior to commencing the audit fieldwork or latest at the op=
ening meeting, we will obtain via mail any known control issues that audite=
es have identified and the action
 plan to address them using attached IKBAM template.</span><span style=3D"f=
ont-size:11.0pt;mso-fareast-language:EN-GB">
<o:p></o:p></span></p>
<p class=3D"TableTextstyle" style=3D"margin-left:36.0pt;text-align:justify;=
text-indent:-18.0pt;mso-list:l0 level1 lfo3">
<![if !supportLists]><span style=3D"font-size:11.0pt;font-family:Symbol;mso=
-fareast-language:EN-GB"><span style=3D"mso-list:Ignore">&middot;<span styl=
e=3D"font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span style=3D"font-size:11.0pt;mso-fareast-=
language:EN-GB">Issues and Management Actions will be included in the draft=
 and final audit reports together with our assessment of the control framew=
ork and the effectiveness of risk
 management. <o:p></o:p></span></p>
<p class=3D"TableTextstyle" style=3D"margin-left:36.0pt;text-align:justify;=
text-indent:-18.0pt;mso-list:l0 level1 lfo3">
<![if !supportLists]><span style=3D"font-size:11.0pt;font-family:Symbol;mso=
-fareast-language:EN-GB"><span style=3D"mso-list:Ignore">&middot;<span styl=
e=3D"font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span style=3D"font-size:11.0pt;mso-fareast-=
language:EN-GB">A feedback questionnaire would be administered at the end o=
f the audit.<o:p></o:p></span></p>
</td>
<td width=3D"39%" valign=3D"top" style=3D"width:39.5%;border-top:solid #447=
2C4 2.25pt;border-left:none;border-bottom:solid #4472C4 2.25pt;border-right=
:none;padding:0cm 5.4pt 0cm 5.4pt;height:128.25pt">
<p class=3D"Tabletextbold" style=3D"text-align:justify"><span style=3D"font=
-size:11.0pt;mso-fareast-language:EN-GB">Control Framework Assessment:<o:p>=
</o:p></span></p>
<table class=3D"MsoNormalTable" border=3D"0" cellspacing=3D"0" cellpadding=
=3D"0" width=3D"256" style=3D"width:192.0pt;margin-left:2.4pt;border-collap=
se:collapse">
<tbody>
<tr style=3D"height:4.0pt">
<td width=3D"256" valign=3D"top" style=3D"width:192.0pt;border:none;border-=
bottom:solid #4472C4 1.0pt;padding:0cm 5.4pt 0cm 5.4pt;height:4.0pt">
<p class=3D"Tabletextbold" style=3D"text-align:justify"><span style=3D"font=
-size:11.0pt;mso-fareast-language:EN-GB">Risk Types:<span style=3D"color:bl=
ue"><o:p></o:p></span></span></p>
</td>
</tr>
<tr style=3D"height:15.9pt">
<td width=3D"256" valign=3D"top" style=3D"width:192.0pt;border:solid #4472C=
4 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt;height:15.9pt">
<p class=3D"MsoNormal" style=3D"text-align:justify"><span lang=3D"EN-ZA" st=
yle=3D"font-size:11.0pt;font-family:&quot;Arial&quot;,sans-serif;mso-fareas=
t-language:EN-GB">Operational Risk<o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:18.65pt">
<td width=3D"256" valign=3D"top" style=3D"width:192.0pt;border:solid #4472C=
4 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt;height:18.65pt">
<p class=3D"MsoNormal" style=3D"text-align:justify"><span lang=3D"EN-ZA" st=
yle=3D"font-size:11.0pt;font-family:&quot;Arial&quot;,sans-serif;mso-fareas=
t-language:EN-GB">Financial Risk<o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:18.65pt">
<td width=3D"256" valign=3D"top" style=3D"width:192.0pt;border:solid #4472C=
4 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt;height:18.65pt">
<p class=3D"MsoNormal" style=3D"text-align:justify"><span lang=3D"EN-ZA" st=
yle=3D"font-size:11.0pt;font-family:&quot;Arial&quot;,sans-serif;mso-fareas=
t-language:EN-GB">Fraud Risk<o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:18.65pt">
<td width=3D"256" valign=3D"top" style=3D"width:192.0pt;border:solid #4472C=
4 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt;height:18.65pt">
<p class=3D"MsoNormal" style=3D"text-align:justify"><span lang=3D"EN-ZA" st=
yle=3D"font-size:11.0pt;font-family:&quot;Arial&quot;,sans-serif;mso-fareas=
t-language:EN-GB">Reputation Risk<o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:18.65pt">
<td width=3D"256" valign=3D"top" style=3D"width:192.0pt;border:solid #4472C=
4 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt;height:18.65pt">
<p class=3D"MsoNormal" style=3D"text-align:justify"><span lang=3D"EN-ZA" st=
yle=3D"font-size:11.0pt;font-family:&quot;Arial&quot;,sans-serif;mso-fareas=
t-language:EN-GB">Regulatory Risk<o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:18.65pt">
<td width=3D"256" valign=3D"top" style=3D"width:192.0pt;border:solid #4472C=
4 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt;height:18.65pt">
<p class=3D"MsoNormal" style=3D"text-align:justify"><span lang=3D"EN-ZA" st=
yle=3D"font-size:11.0pt;font-family:&quot;Arial&quot;,sans-serif;mso-fareas=
t-language:EN-GB">Compliance Risk<o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:3.5pt">
<td width=3D"256" valign=3D"top" style=3D"width:192.0pt;padding:0cm 5.4pt 0=
cm 5.4pt;height:3.5pt">
<p class=3D"TableTextstyle" style=3D"text-align:justify"><span style=3D"fon=
t-size:11.0pt;mso-fareast-language:EN-GB"><o:p>&nbsp;</o:p></span></p>
</td>
</tr>
<tr style=3D"height:28.55pt">
<td width=3D"256" valign=3D"top" style=3D"width:192.0pt;border:none;border-=
bottom:solid #4472C4 1.0pt;padding:0cm 5.4pt 0cm 5.4pt;height:28.55pt">
<p class=3D"TableTextstyle" style=3D"text-align:justify"><span style=3D"fon=
t-size:11.0pt;mso-fareast-language:EN-GB"><o:p>&nbsp;</o:p></span></p>
<p class=3D"Tabletextbold" style=3D"text-align:justify"><span style=3D"font=
-size:11.0pt;mso-fareast-language:EN-GB">Process Classification:<o:p></o:p>=
</span></p>
</td>
</tr>
<tr style=3D"height:10.25pt">
<td width=3D"256" valign=3D"top" style=3D"width:192.0pt;border:solid #4472C=
4 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt;height:10.25pt">
<p class=3D"MsoNormal" style=3D"text-align:justify;line-height:115%;text-au=
tospace:none">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:115%;font-family=
:&quot;Arial&quot;,sans-serif;mso-fareast-language:EN-GB">Statutory deducti=
ons<o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:10.25pt">
<td width=3D"256" valign=3D"top" style=3D"width:192.0pt;border:solid #4472C=
4 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt;height:10.25pt">
<p class=3D"MsoNormal" style=3D"text-align:justify;line-height:13.0pt;text-=
autospace:none">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;font-family:&quot;Arial&quot=
;,sans-serif;mso-fareast-language:EN-GB">Remittances of statutory deduction=
s<o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:10.25pt">
<td width=3D"256" valign=3D"top" style=3D"width:192.0pt;border:solid #4472C=
4 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt;height:10.25pt">
<p class=3D"MsoNormal" style=3D"text-align:justify;line-height:13.0pt;text-=
autospace:none">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;font-family:&quot;Arial&quot=
;,sans-serif;mso-fareast-language:EN-GB">Insurance Policies<o:p></o:p></spa=
n></p>
</td>
</tr>
<tr style=3D"height:28.55pt">
<td width=3D"256" valign=3D"top" style=3D"width:192.0pt;border:none;border-=
bottom:solid #4472C4 1.0pt;padding:0cm 5.4pt 0cm 5.4pt;height:28.55pt">
<p class=3D"TableTextstyle" style=3D"text-align:justify"><span style=3D"fon=
t-size:11.0pt;mso-fareast-language:EN-GB"><o:p>&nbsp;</o:p></span></p>
<p class=3D"TableTextstyle" style=3D"text-align:justify"><span style=3D"fon=
t-size:11.0pt;mso-fareast-language:EN-GB"><o:p>&nbsp;</o:p></span></p>
<p class=3D"Tabletextbold" style=3D"text-align:justify"><span style=3D"font=
-size:11.0pt;mso-fareast-language:EN-GB">Control Framework Components:<o:p>=
</o:p></span></p>
</td>
</tr>
<tr style=3D"height:10.25pt">
<td width=3D"256" valign=3D"top" style=3D"width:192.0pt;border:solid #4472C=
4 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt;height:10.25pt">
<p class=3D"TableTextstyle" style=3D"text-align:justify"><span style=3D"fon=
t-size:11.0pt;mso-fareast-language:EN-GB">Monitoring<o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:9.5pt">
<td width=3D"256" valign=3D"top" style=3D"width:192.0pt;border:solid #4472C=
4 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt;height:9.5pt">
<p class=3D"TableTextstyle" style=3D"text-align:justify"><span style=3D"fon=
t-size:11.0pt;mso-fareast-language:EN-GB">Information &amp; Communication<o=
:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:10.25pt">
<td width=3D"256" valign=3D"top" style=3D"width:192.0pt;border:solid #4472C=
4 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt;height:10.25pt">
<p class=3D"TableTextstyle" style=3D"text-align:justify"><span style=3D"fon=
t-size:11.0pt;mso-fareast-language:EN-GB">Control Activities<o:p></o:p></sp=
an></p>
</td>
</tr>
<tr style=3D"height:9.5pt">
<td width=3D"256" valign=3D"top" style=3D"width:192.0pt;border:solid #4472C=
4 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt;height:9.5pt">
<p class=3D"TableTextstyle" style=3D"text-align:justify"><span style=3D"fon=
t-size:11.0pt;mso-fareast-language:EN-GB">Risk Assessment<o:p></o:p></span>=
</p>
</td>
</tr>
<tr style=3D"height:10.25pt">
<td width=3D"256" valign=3D"top" style=3D"width:192.0pt;border:solid #4472C=
4 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt;height:10.25pt">
<p class=3D"TableTextstyle" style=3D"text-align:justify"><span style=3D"fon=
t-size:11.0pt;mso-fareast-language:EN-GB">Control Environment<o:p></o:p></s=
pan></p>
</td>
</tr>
</tbody>
</table>
<p class=3D"TableTextstyle" style=3D"text-align:justify"><span style=3D"fon=
t-size:11.0pt"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoNormal" style=3D"text-align:justify"><span lang=3D"EN-ZA" st=
yle=3D"font-size:11.0pt;font-family:&quot;Arial&quot;,sans-serif;color:blue=
;mso-fareast-language:EN-GB"><o:p>&nbsp;</o:p></span></p>
</td>
</tr>
</tbody>
</table>
<p class=3D"Subheading"><span style=3D"font-size:11.0pt">In scope:<o:p></o:=
p></span></p>
<table class=3D"MsoNormalTable" border=3D"0" cellspacing=3D"0" cellpadding=
=3D"0" width=3D"105%" style=3D"width:105.0%;border-collapse:collapse">
<tbody>
<tr>
<td width=3D"4%" valign=3D"bottom" style=3D"width:4.66%;border:solid #4472C=
4 1.0pt;background:#00B0F0;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableHeadings" align=3D"center" style=3D"mso-margin-top-alt:3.0=
pt;margin-right:-6.4pt;margin-bottom:3.0pt;margin-left:-5.65pt;text-align:c=
enter">
<span style=3D"font-size:11.0pt;color:black;mso-fareast-language:EN-GB">Ref=
</span><span style=3D"font-size:11.0pt;mso-fareast-language:EN-GB"><o:p></o=
:p></span></p>
</td>
<td width=3D"27%" valign=3D"bottom" style=3D"width:27.04%;border:solid #447=
2C4 1.0pt;border-left:none;background:#00B0F0;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableHeadings" align=3D"center" style=3D"mso-margin-top-alt:3.0=
pt;margin-right:-5.25pt;margin-bottom:3.0pt;margin-left:-4.45pt;text-align:=
center">
<span style=3D"font-size:11.0pt;color:black;mso-fareast-language:EN-GB">Top=
ic</span><span style=3D"font-size:11.0pt;mso-fareast-language:EN-GB"><o:p><=
/o:p></span></p>
</td>
<td width=3D"14%" valign=3D"bottom" style=3D"width:14.84%;border:solid #447=
2C4 1.0pt;border-left:none;background:#00B0F0;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableHeadings" align=3D"center" style=3D"mso-margin-top-alt:3.0=
pt;margin-right:-9.85pt;margin-bottom:3.0pt;margin-left:-5.4pt;text-align:c=
enter">
<span style=3D"font-size:11.0pt;color:black;mso-fareast-language:EN-GB">Sco=
pe Area</span><span style=3D"font-size:11.0pt;mso-fareast-language:EN-GB"><=
o:p></o:p></span></p>
</td>
<td width=3D"34%" valign=3D"bottom" style=3D"width:34.12%;border:solid #447=
2C4 1.0pt;border-left:none;background:#00B0F0;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableHeadings" align=3D"center" style=3D"mso-margin-top-alt:3.0=
pt;margin-right:-9.9pt;margin-bottom:3.0pt;margin-left:-6.55pt;text-align:c=
enter">
<span style=3D"font-size:11.0pt;color:black;mso-fareast-language:EN-GB">Ris=
k Description &amp; Type</span><span style=3D"font-size:11.0pt;mso-fareast-=
language:EN-GB"><o:p></o:p></span></p>
</td>
<td width=3D"19%" valign=3D"bottom" style=3D"width:19.34%;border:solid #447=
2C4 1.0pt;border-left:none;background:#00B0F0;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableHeadings" align=3D"center" style=3D"text-align:center"><sp=
an style=3D"font-size:11.0pt;color:black;mso-fareast-language:EN-GB">Proces=
s Category</span><span style=3D"font-size:11.0pt;mso-fareast-language:EN-GB=
"><o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:43.6pt">
<td width=3D"4%" valign=3D"top" style=3D"width:4.66%;border:solid #4472C4 1=
.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt;height:43.6pt">
<p class=3D"Tabletextbold" align=3D"center" style=3D"mso-margin-top-alt:3.0=
pt;margin-right:-6.4pt;margin-bottom:3.0pt;margin-left:-5.65pt;text-align:c=
enter">
<span style=3D"font-size:11.0pt;mso-fareast-language:EN-GB;font-weight:norm=
al">1.<o:p></o:p></span></p>
</td>
<td width=3D"27%" valign=3D"top" style=3D"width:27.04%;border-top:none;bord=
er-left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1=
.0pt;padding:0cm 5.4pt 0cm 5.4pt;height:43.6pt">
<p class=3D"Tabletextbold" style=3D"mso-margin-top-alt:3.0pt;margin-right:-=
5.25pt;margin-bottom:3.0pt;margin-left:-4.45pt;text-align:justify">
<span style=3D"font-size:11.0pt;mso-fareast-language:EN-GB;font-weight:norm=
al">Review of statutory deductions, such as:<o:p></o:p></span></p>
<ul style=3D"margin-top:0cm" type=3D"disc">
<li class=3D"Tabletextbold" style=3D"margin-right:-5.25pt;margin-left:-1.65=
pt;text-align:justify;mso-list:l5 level1 lfo4">
<span style=3D"font-size:11.0pt;mso-fareast-language:EN-GB;font-weight:norm=
al">PAYE<o:p></o:p></span></li><li class=3D"TableTextstyle" style=3D"margin=
-left:-1.65pt;text-align:justify;mso-list:l5 level1 lfo4">
<span style=3D"font-size:11.0pt;mso-fareast-language:EN-GB">Pension<o:p></o=
:p></span></li><li class=3D"TableTextstyle" style=3D"margin-left:-1.65pt;te=
xt-align:justify;mso-list:l5 level1 lfo4">
<span style=3D"font-size:11.0pt;mso-fareast-language:EN-GB">NHF<o:p></o:p><=
/span></li></ul>
<p class=3D"TableTextstyle" style=3D"text-align:justify"><span style=3D"mso=
-fareast-language:EN-GB"><o:p>&nbsp;</o:p></span></p>
</td>
<td width=3D"14%" valign=3D"top" style=3D"width:14.84%;border-top:none;bord=
er-left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1=
.0pt;padding:0cm 5.4pt 0cm 5.4pt;height:43.6pt">
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:-9.85pt=
;margin-bottom:0cm;margin-left:-5.4pt;margin-bottom:.0001pt;text-align:just=
ify;line-height:13.0pt;text-autospace:none">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;font-family:&quot;Arial&quot=
;,sans-serif;mso-fareast-language:EN-GB">Statutory Deductions
</span><span lang=3D"EN-US" style=3D"font-size:11.0pt;font-family:&quot;Ari=
al&quot;,sans-serif;mso-fareast-language:EN-GB"><o:p></o:p></span></p>
</td>
<td width=3D"34%" valign=3D"top" style=3D"width:34.12%;border-top:none;bord=
er-left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1=
.0pt;padding:0cm 5.4pt 0cm 5.4pt;height:43.6pt">
<ul style=3D"margin-top:0cm" type=3D"disc">
<li class=3D"MsoListParagraphCxSpFirst" style=3D"margin-left:0cm;mso-add-sp=
ace:auto;text-align:justify;line-height:115%;mso-list:l4 level1 lfo5">
<span lang=3D"EN-ZA" style=3D"font-family:&quot;Arial&quot;,sans-serif;mso-=
fareast-language:EN-GB">Inaccurate deductions of Pay as you earn.<o:p></o:p=
></span></li><li class=3D"MsoListParagraphCxSpMiddle" style=3D"margin-left:=
0cm;mso-add-space:auto;text-align:justify;line-height:115%;mso-list:l4 leve=
l1 lfo5">
<span lang=3D"EN-ZA" style=3D"font-family:&quot;Arial&quot;,sans-serif;mso-=
fareast-language:EN-GB">Incorrect computation of Pension contributions by b=
oth employees and employers<o:p></o:p></span></li><li class=3D"MsoListParag=
raphCxSpLast" style=3D"margin-left:0cm;mso-add-space:auto;text-align:justif=
y;line-height:115%;mso-list:l4 level1 lfo5">
<span lang=3D"EN-ZA" style=3D"font-family:&quot;Arial&quot;,sans-serif;mso-=
fareast-language:EN-GB">Wrong calculation of National housing funds deducti=
ons.
<o:p></o:p></span></li></ul>
</td>
<td width=3D"19%" valign=3D"top" style=3D"width:19.34%;border-top:none;bord=
er-left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1=
.0pt;padding:0cm 5.4pt 0cm 5.4pt;height:43.6pt">
<p class=3D"Default" style=3D"text-align:justify"><span style=3D"font-size:=
11.0pt">Statutory Deductions<o:p></o:p></span></p>
</td>
</tr>
<tr>
<td width=3D"4%" valign=3D"top" style=3D"width:4.66%;border:solid #4472C4 1=
.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"Tabletextbold" align=3D"center" style=3D"mso-margin-top-alt:3.0=
pt;margin-right:-6.4pt;margin-bottom:3.0pt;margin-left:-5.65pt;text-align:c=
enter">
<span style=3D"font-size:11.0pt;mso-fareast-language:EN-GB;font-weight:norm=
al">2.<o:p></o:p></span></p>
</td>
<td width=3D"27%" valign=3D"top" style=3D"width:27.04%;border-top:none;bord=
er-left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1=
.0pt;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"Tabletextbold" style=3D"mso-margin-top-alt:3.0pt;margin-right:-=
5.25pt;margin-bottom:3.0pt;margin-left:-4.45pt">
<span style=3D"font-size:11.0pt;mso-fareast-language:EN-GB;font-weight:norm=
al">Review of remittances to statutory bodies,<o:p></o:p></span></p>
</td>
<td width=3D"14%" valign=3D"top" style=3D"width:14.84%;border-top:none;bord=
er-left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1=
.0pt;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"MsoNormal" style=3D"margin-right:-9.85pt;line-height:13.0pt;tex=
t-autospace:none">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;font-family:&quot;Arial&quot=
;,sans-serif;mso-fareast-language:EN-GB">Remittances of statutory deduction=
s</span><span lang=3D"EN-US" style=3D"font-size:11.0pt;font-family:&quot;Ar=
ial&quot;,sans-serif;mso-fareast-language:EN-GB"><o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:-9.85pt=
;margin-bottom:0cm;margin-left:-5.4pt;margin-bottom:.0001pt;line-height:13.=
0pt;text-autospace:none">
<span lang=3D"EN-US" style=3D"font-size:11.0pt;font-family:&quot;Arial&quot=
;,sans-serif;mso-fareast-language:EN-GB"><o:p>&nbsp;</o:p></span></p>
</td>
<td width=3D"34%" valign=3D"top" style=3D"width:34.12%;border-top:none;bord=
er-left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1=
.0pt;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle"><span style=3D"font-size:11.0pt;mso-fareast-lan=
guage:EN-GB">Delay in remitting deductions to relevant statutory bodies suc=
h as:<o:p></o:p></span></p>
<ul style=3D"margin-top:0cm" type=3D"disc">
<li class=3D"MsoListParagraphCxSpFirst" style=3D"margin-left:0cm;mso-add-sp=
ace:auto;line-height:115%;mso-list:l6 level1 lfo6">
<span lang=3D"EN-ZA" style=3D"font-family:&quot;Arial&quot;,sans-serif;mso-=
fareast-language:EN-GB">State Tax Authorities<o:p></o:p></span></li><li cla=
ss=3D"MsoListParagraphCxSpMiddle" style=3D"margin-left:0cm;mso-add-space:au=
to;line-height:115%;mso-list:l6 level1 lfo6">
<span lang=3D"EN-ZA" style=3D"font-family:&quot;Arial&quot;,sans-serif;mso-=
fareast-language:EN-GB">Pension Fund Administrators<o:p></o:p></span></li><=
li class=3D"MsoListParagraphCxSpLast" style=3D"margin-left:0cm;mso-add-spac=
e:auto;line-height:115%;mso-list:l6 level1 lfo6">
<span lang=3D"EN-ZA" style=3D"font-family:&quot;Arial&quot;,sans-serif;mso-=
fareast-language:EN-GB">Federal Mortgage Bank<o:p></o:p></span></li></ul>
</td>
<td width=3D"19%" valign=3D"top" style=3D"width:19.34%;border-top:none;bord=
er-left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1=
.0pt;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"Default"><span style=3D"font-size:11.0pt">Remittances of statut=
ory deductions<o:p></o:p></span></p>
</td>
</tr>
<tr>
<td width=3D"4%" valign=3D"top" style=3D"width:4.66%;border:solid #4472C4 1=
.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"Tabletextbold" align=3D"center" style=3D"mso-margin-top-alt:3.0=
pt;margin-right:-6.4pt;margin-bottom:3.0pt;margin-left:-5.65pt;text-align:c=
enter">
<span style=3D"font-size:11.0pt;mso-fareast-language:EN-GB;font-weight:norm=
al">3.<o:p></o:p></span></p>
</td>
<td width=3D"27%" valign=3D"top" style=3D"width:27.04%;border-top:none;bord=
er-left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1=
.0pt;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"Tabletextbold" style=3D"mso-margin-top-alt:3.0pt;margin-right:-=
5.25pt;margin-bottom:3.0pt;margin-left:-4.45pt">
<span style=3D"font-size:11.0pt;mso-fareast-language:EN-GB;font-weight:norm=
al">Obtaining Insurance cover for her staff.<o:p></o:p></span></p>
</td>
<td width=3D"14%" valign=3D"top" style=3D"width:14.84%;border-top:none;bord=
er-left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1=
.0pt;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle" style=3D"mso-margin-top-alt:3.0pt;margin-right:=
-9.85pt;margin-bottom:3.0pt;margin-left:-5.4pt">
<span style=3D"font-size:11.0pt;mso-fareast-language:EN-GB">Insurance Polic=
ies <o:p>
</o:p></span></p>
</td>
<td width=3D"34%" valign=3D"top" style=3D"width:34.12%;border-top:none;bord=
er-left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1=
.0pt;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle"><span style=3D"font-size:11.0pt;mso-fareast-lan=
guage:EN-GB">Insurance policies not being taken by Vendors for her staff as=
 required by law.<o:p></o:p></span></p>
</td>
<td width=3D"19%" valign=3D"top" style=3D"width:19.34%;border-top:none;bord=
er-left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1=
.0pt;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle"><span style=3D"font-size:11.0pt;mso-fareast-lan=
guage:EN-GB">Insurance Policies<o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
<b><span style=3D"font-size:11.0pt;font-family:&quot;Arial&quot;,sans-serif=
;mso-fareast-language:EN-US"><br clear=3D"all" style=3D"page-break-before:a=
lways">
</span></b>
<p class=3D"Headingstyle3"><span style=3D"font-size:11.0pt">Report Distribu=
tion List<o:p></o:p></span></p>
<table class=3D"MsoNormalTable" border=3D"0" cellspacing=3D"0" cellpadding=
=3D"0" width=3D"101%" style=3D"width:101.64%;border-collapse:collapse">
<tbody>
<tr>
<td width=3D"18%" valign=3D"bottom" style=3D"width:18.02%;border:solid wind=
owtext 1.0pt;background:#4472C4;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableHeadings" align=3D"center" style=3D"text-align:center"><sp=
an style=3D"font-size:11.0pt;color:black;mso-fareast-language:EN-GB">Name</=
span><span style=3D"font-size:11.0pt;mso-fareast-language:EN-GB"><o:p></o:p=
></span></p>
</td>
<td width=3D"22%" valign=3D"bottom" style=3D"width:22.12%;border:solid wind=
owtext 1.0pt;border-left:none;background:#4472C4;padding:0cm 5.4pt 0cm 5.4p=
t">
<p class=3D"TableHeadings" align=3D"center" style=3D"text-align:center"><sp=
an style=3D"font-size:11.0pt;color:black;mso-fareast-language:EN-GB">Title<=
/span><span style=3D"font-size:11.0pt;mso-fareast-language:EN-GB"><o:p></o:=
p></span></p>
</td>
<td width=3D"42%" valign=3D"bottom" style=3D"width:42.44%;border:solid wind=
owtext 1.0pt;border-left:none;background:#4472C4;padding:0cm 5.4pt 0cm 5.4p=
t">
<p class=3D"TableHeadings" align=3D"center" style=3D"mso-margin-top-alt:3.0=
pt;margin-right:-5.8pt;margin-bottom:3.0pt;margin-left:-5.25pt;text-align:c=
enter">
<span style=3D"font-size:11.0pt;color:black;mso-fareast-language:EN-GB">Bus=
iness Unit</span><span style=3D"font-size:11.0pt;mso-fareast-language:EN-GB=
"><o:p></o:p></span></p>
</td>
<td width=3D"8%" valign=3D"bottom" style=3D"width:8.7%;border:solid windowt=
ext 1.0pt;border-left:none;background:#4472C4;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableHeadings" align=3D"center" style=3D"text-align:center"><sp=
an style=3D"font-size:11.0pt;color:black;mso-fareast-language:EN-GB">Draft =
Report</span><span style=3D"font-size:11.0pt;mso-fareast-language:EN-GB"><o=
:p></o:p></span></p>
</td>
<td width=3D"8%" valign=3D"bottom" style=3D"width:8.7%;border:solid windowt=
ext 1.0pt;border-left:none;background:#4472C4;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableHeadings" align=3D"center" style=3D"text-align:center"><sp=
an style=3D"font-size:11.0pt;color:black;mso-fareast-language:EN-GB">Final =
Report</span><span style=3D"font-size:11.0pt;mso-fareast-language:EN-GB"><o=
:p></o:p></span></p>
</td>
</tr>
<tr>
<td width=3D"18%" valign=3D"top" style=3D"width:18.02%;border:solid #4472C4=
 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"NormalBorderBlack" style=3D"text-align:justify"><span style=3D"=
font-size:11.0pt;font-family:&quot;Arial&quot;,sans-serif">Miyen Swomen<o:p=
></o:p></span></p>
</td>
<td width=3D"22%" valign=3D"top" style=3D"width:22.12%;border-top:none;bord=
er-left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1=
.0pt;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle" style=3D"text-align:justify"><span style=3D"fon=
t-size:11.0pt;mso-fareast-language:EN-GB">Head of Department<o:p></o:p></sp=
an></p>
</td>
<td width=3D"42%" valign=3D"top" style=3D"width:42.44%;border-top:none;bord=
er-left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1=
.0pt;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle" align=3D"center" style=3D"mso-margin-top-alt:3.=
0pt;margin-right:-5.8pt;margin-bottom:3.0pt;margin-left:-5.25pt;text-align:=
center">
<span style=3D"font-size:11.0pt;mso-fareast-language:EN-GB">Human Resources=
 Department<o:p></o:p></span></p>
</td>
<td width=3D"8%" valign=3D"top" style=3D"width:8.7%;border-top:none;border-=
left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1.0p=
t;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle" style=3D"text-align:justify"><span style=3D"fon=
t-size:11.0pt;mso-fareast-language:EN-GB">N<o:p></o:p></span></p>
</td>
<td width=3D"8%" valign=3D"top" style=3D"width:8.7%;border-top:none;border-=
left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1.0p=
t;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle" style=3D"text-align:justify"><span style=3D"fon=
t-size:11.0pt;mso-fareast-language:EN-GB">Y<o:p></o:p></span></p>
</td>
</tr>
<tr>
<td width=3D"18%" valign=3D"top" style=3D"width:18.02%;border:solid #4472C4=
 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"NormalBorderBlack" style=3D"text-align:justify"><span style=3D"=
font-size:11.0pt;font-family:&quot;Arial&quot;,sans-serif">Princewill Abume=
re</span><span lang=3D"EN-US" style=3D"font-size:11.0pt;font-family:&quot;A=
rial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"22%" valign=3D"top" style=3D"width:22.12%;border-top:none;bord=
er-left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1=
.0pt;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle" style=3D"text-align:justify"><span style=3D"fon=
t-size:11.0pt;mso-fareast-language:EN-GB">Unit Head, H.R Shared Services<o:=
p></o:p></span></p>
</td>
<td width=3D"42%" valign=3D"top" style=3D"width:42.44%;border-top:none;bord=
er-left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1=
.0pt;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle" align=3D"center" style=3D"mso-margin-top-alt:3.=
0pt;margin-right:-5.8pt;margin-bottom:3.0pt;margin-left:-5.25pt;text-align:=
center">
<span style=3D"font-size:11.0pt;mso-fareast-language:EN-GB">Human Resources=
 Department<o:p></o:p></span></p>
</td>
<td width=3D"8%" valign=3D"top" style=3D"width:8.7%;border-top:none;border-=
left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1.0p=
t;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle" style=3D"text-align:justify"><span style=3D"fon=
t-size:11.0pt;mso-fareast-language:EN-GB">N<o:p></o:p></span></p>
</td>
<td width=3D"8%" valign=3D"top" style=3D"width:8.7%;border-top:none;border-=
left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1.0p=
t;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle" style=3D"text-align:justify"><span style=3D"fon=
t-size:11.0pt;mso-fareast-language:EN-GB">Y<o:p></o:p></span></p>
</td>
</tr>
<tr>
<td width=3D"18%" valign=3D"top" style=3D"width:18.02%;border:solid #4472C4=
 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle" style=3D"text-align:justify"><span style=3D"fon=
t-size:11.0pt;mso-fareast-language:EN-GB">Victor Ikeneku<o:p></o:p></span><=
/p>
</td>
<td width=3D"22%" valign=3D"top" style=3D"width:22.12%;border-top:none;bord=
er-left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1=
.0pt;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle" style=3D"text-align:justify"><span style=3D"fon=
t-size:11.0pt;mso-fareast-language:EN-GB">Chief Audit Executive<o:p></o:p><=
/span></p>
</td>
<td width=3D"42%" valign=3D"top" style=3D"width:42.44%;border-top:none;bord=
er-left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1=
.0pt;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle" align=3D"center" style=3D"mso-margin-top-alt:3.=
0pt;margin-right:-5.8pt;margin-bottom:3.0pt;margin-left:-27.6pt;text-align:=
center">
<span style=3D"font-size:11.0pt;mso-fareast-language:EN-GB">Internal Audit =
Department<o:p></o:p></span></p>
</td>
<td width=3D"8%" valign=3D"top" style=3D"width:8.7%;border-top:none;border-=
left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1.0p=
t;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle" style=3D"text-align:justify"><span style=3D"fon=
t-size:11.0pt;mso-fareast-language:EN-GB">N<o:p></o:p></span></p>
</td>
<td width=3D"8%" valign=3D"top" style=3D"width:8.7%;border-top:none;border-=
left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1.0p=
t;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle" style=3D"text-align:justify"><span style=3D"fon=
t-size:11.0pt;mso-fareast-language:EN-GB">Y<o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
<p class=3D"Bodytextwithparaspace" style=3D"mso-list:none"><o:p>&nbsp;</o:p=
></p>
<p class=3D"Headingstyle3"><span style=3D"font-size:11.0pt">Audit Team:<o:p=
></o:p></span></p>
<table class=3D"MsoNormalTable" border=3D"0" cellspacing=3D"0" cellpadding=
=3D"0" width=3D"94%" style=3D"width:94.86%;border-collapse:collapse">
<tbody>
<tr>
<td width=3D"27%" valign=3D"top" style=3D"width:27.38%;border:solid #4472C4=
 1.0pt;background:#4472C4;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableHeadings"><span style=3D"font-size:11.0pt;color:black;mso-=
fareast-language:EN-GB">Position</span><span style=3D"font-size:11.0pt;mso-=
fareast-language:EN-GB"><o:p></o:p></span></p>
</td>
<td width=3D"41%" valign=3D"top" style=3D"width:41.08%;border:solid #4472C4=
 1.0pt;border-left:none;background:#4472C4;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableHeadings"><span style=3D"font-size:11.0pt;color:black;mso-=
fareast-language:EN-GB">Name</span><span style=3D"font-size:11.0pt;mso-fare=
ast-language:EN-GB"><o:p></o:p></span></p>
</td>
<td width=3D"31%" valign=3D"top" style=3D"width:31.54%;border:solid #4472C4=
 1.0pt;border-left:none;background:#4472C4;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableHeadings"><span style=3D"font-size:11.0pt;color:black;mso-=
fareast-language:EN-GB">Contact Number</span><span style=3D"font-size:11.0p=
t;mso-fareast-language:EN-GB"><o:p></o:p></span></p>
</td>
</tr>
<tr>
<td width=3D"27%" valign=3D"top" style=3D"width:27.38%;border:solid #4472C4=
 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle"><span style=3D"font-size:11.0pt;mso-fareast-lan=
guage:EN-GB">Team Lead<o:p></o:p></span></p>
</td>
<td width=3D"41%" valign=3D"top" style=3D"width:41.08%;border-top:none;bord=
er-left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1=
.0pt;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle"><span style=3D"font-size:11.0pt;mso-fareast-lan=
guage:EN-GB">Chima Nkwocha<o:p></o:p></span></p>
</td>
<td width=3D"31%" valign=3D"top" style=3D"width:31.54%;border-top:none;bord=
er-left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1=
.0pt;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle"><span style=3D"font-size:11.0pt;mso-fareast-lan=
guage:EN-GB">5888<o:p></o:p></span></p>
</td>
</tr>
<tr>
<td width=3D"27%" valign=3D"top" style=3D"width:27.38%;border:solid #4472C4=
 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle"><span style=3D"font-size:11.0pt;mso-fareast-lan=
guage:EN-GB">Engagement Manager<o:p></o:p></span></p>
</td>
<td width=3D"41%" valign=3D"top" style=3D"width:41.08%;border-top:none;bord=
er-left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1=
.0pt;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle"><span style=3D"font-size:11.0pt;mso-fareast-lan=
guage:EN-GB">Louis Idunoba<o:p></o:p></span></p>
</td>
<td width=3D"31%" valign=3D"top" style=3D"width:31.54%;border-top:none;bord=
er-left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1=
.0pt;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle"><span style=3D"font-size:11.0pt;mso-fareast-lan=
guage:EN-GB">5888<o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
<p class=3D"Bodytextwithparaspace" style=3D"mso-list:none"><o:p>&nbsp;</o:p=
></p>
<p class=3D"Headingstyle3"><span style=3D"font-size:11.0pt">Key Milestones:=
<o:p></o:p></span></p>
<table class=3D"MsoNormalTable" border=3D"0" cellspacing=3D"0" cellpadding=
=3D"0" width=3D"94%" style=3D"width:94.86%;border-collapse:collapse">
<tbody>
<tr>
<td width=3D"41%" valign=3D"top" style=3D"width:41.06%;border:solid windowt=
ext 1.0pt;background:#4472C4;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableHeadings"><span style=3D"font-size:11.0pt;color:black;mso-=
fareast-language:EN-GB">Milestones</span><span style=3D"font-size:11.0pt;ms=
o-fareast-language:EN-GB"><o:p></o:p></span></p>
</td>
<td width=3D"58%" valign=3D"top" style=3D"width:58.94%;border:solid windowt=
ext 1.0pt;border-left:none;background:#4472C4;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableHeadings"><span style=3D"font-size:11.0pt;color:black;mso-=
fareast-language:EN-GB">Date</span><span style=3D"font-size:11.0pt;mso-fare=
ast-language:EN-GB"><o:p></o:p></span></p>
</td>
</tr>
<tr>
<td width=3D"41%" valign=3D"top" style=3D"width:41.06%;border:solid windowt=
ext 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle"><span style=3D"font-size:11.0pt;mso-fareast-lan=
guage:EN-GB">Start Fieldwork<o:p></o:p></span></p>
</td>
<td width=3D"58%" valign=3D"top" style=3D"width:58.94%;border-top:none;bord=
er-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid window=
text 1.0pt;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle"><span style=3D"font-size:11.0pt;mso-fareast-lan=
guage:EN-GB">22/01/2024<o:p></o:p></span></p>
</td>
</tr>
<tr>
<td width=3D"41%" valign=3D"top" style=3D"width:41.06%;border:solid #4472C4=
 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle"><span style=3D"font-size:11.0pt;mso-fareast-lan=
guage:EN-GB">End Fieldwork<o:p></o:p></span></p>
</td>
<td width=3D"58%" valign=3D"top" style=3D"width:58.94%;border-top:none;bord=
er-left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1=
.0pt;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle"><span style=3D"font-size:11.0pt;mso-fareast-lan=
guage:EN-GB">02/02/2024<o:p></o:p></span></p>
</td>
</tr>
<tr>
<td width=3D"41%" valign=3D"top" style=3D"width:41.06%;border:solid #4472C4=
 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle"><span style=3D"font-size:11.0pt;mso-fareast-lan=
guage:EN-GB">Draft Report<o:p></o:p></span></p>
</td>
<td width=3D"58%" valign=3D"top" style=3D"width:58.94%;border-top:none;bord=
er-left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1=
.0pt;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle"><span style=3D"font-size:11.0pt;mso-fareast-lan=
guage:EN-GB">02/02/2024<o:p></o:p></span></p>
</td>
</tr>
<tr>
<td width=3D"41%" valign=3D"top" style=3D"width:41.06%;border:solid #4472C4=
 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle"><span style=3D"font-size:11.0pt;mso-fareast-lan=
guage:EN-GB">Final Report<o:p></o:p></span></p>
</td>
<td width=3D"58%" valign=3D"top" style=3D"width:58.94%;border-top:none;bord=
er-left:none;border-bottom:solid #4472C4 1.0pt;border-right:solid #4472C4 1=
.0pt;padding:0cm 5.4pt 0cm 5.4pt">
<p class=3D"TableTextstyle"><span style=3D"font-size:11.0pt;mso-fareast-lan=
guage:EN-GB">03/02/2024<o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
<p class=3D"Subheading"><o:p>&nbsp;</o:p></p>
<p class=3D"MsoBodyText" style=3D"text-align:justify"><a name=3D"_Hlk600438=
37"><span style=3D"font-size:11.0pt;font-family:&quot;Arial&quot;,sans-seri=
f">Furthermore, to ensure an engaging, value adding and successful audit ex=
ercise, we solicit
</span></a><span style=3D"mso-bookmark:_Hlk60043837"><span lang=3D"EN-ZA" s=
tyle=3D"font-size:11.0pt;font-family:&quot;Arial&quot;,sans-serif;mso-farea=
st-language:EN-GB">utmost co-operation of auditees with the audit team to e=
nsure that the exercise is concluded within the
 timeline specified above. In addition, we will appreciate if a liaison off=
icer could be communicated to us who will be responsible for coordinating r=
equested documents and information.</span></span><span style=3D"mso-bookmar=
k:_Hlk60043837"><span style=3D"font-family:&quot;Arial&quot;,sans-serif"><o=
:p></o:p></span></span></p>
<span style=3D"mso-bookmark:_Hlk60043837"></span>
<p class=3D"Subheading"><o:p>&nbsp;</o:p></p>
<p class=3D"MsoBodyText"><span style=3D"font-family:&quot;Arial&quot;,sans-=
serif"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoBodyText"><span style=3D"font-family:&quot;Arial&quot;,sans-=
serif"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoBodyText"><span style=3D"font-family:&quot;Arial&quot;,sans-=
serif"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoBodyText"><span style=3D"font-family:&quot;Arial&quot;,sans-=
serif"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoBodyText"><span style=3D"font-family:&quot;Arial&quot;,sans-=
serif"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoBodyText"><span style=3D"font-family:&quot;Arial&quot;,sans-=
serif"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoBodyText"><span style=3D"font-family:&quot;Arial&quot;,sans-=
serif"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoBodyText"><span style=3D"font-family:&quot;Arial&quot;,sans-=
serif"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoBodyText"><span style=3D"font-family:&quot;Arial&quot;,sans-=
serif"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoBodyText"><span style=3D"font-family:&quot;Arial&quot;,sans-=
serif"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoBodyText"><span style=3D"font-family:&quot;Arial&quot;,sans-=
serif"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoNormal" style=3D"text-align:justify"><span style=3D"font-fam=
ily:&quot;Arial&quot;,sans-serif"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-right:10.45pt;text-align:justify"><b=
><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;font-family:&quot;Arial&quo=
t;,sans-serif;color:#7F7E82">3.0 APPENDIX
<o:p></o:p></span></b></p>
<p class=3D"MsoNormal" style=3D"margin-right:10.45pt;text-align:justify"><s=
pan lang=3D"EN-ZA" style=3D"font-size:11.0pt;font-family:&quot;Arial&quot;,=
sans-serif">Reports are graded in relation to the findings identified again=
st the agreed scope and reflect the nature of the
 findings from the review and their collective effect in relation to the sc=
ope of that review, combined with the overall assessment of the review team=
.
<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-right:10.45pt;text-align:justify;lin=
e-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:10.45pt=
;margin-bottom:0cm;margin-left:36.0pt;margin-bottom:.0001pt;text-align:just=
ify;text-indent:-36.0pt;line-height:105%;page-break-after:avoid;mso-list:l1=
 level2 lfo7">
<![if !supportLists]><b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line=
-height:105%;font-family:&quot;Arial&quot;,sans-serif;color:#7F7E82"><span =
style=3D"mso-list:Ignore">3.2.<span style=3D"font:7.0pt &quot;Times New Rom=
an&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span></span></span></b><![endif]><b><span lang=3D"EN-ZA" style=3D"font-si=
ze:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-serif;color:#=
7F7E82">Observations rating criteria
<o:p></o:p></span></b></p>
<p class=3D"MsoNormal" style=3D"margin-right:10.45pt;text-align:justify"><s=
pan lang=3D"EN-ZA" style=3D"font-size:11.0pt;font-family:&quot;Arial&quot;,=
sans-serif">Audit findings are objectively graded in relation to the likeli=
hood of occurrence and impact of a risk crystallization
 on the Bank&#8217;s objectives. These are further explained in the texts a=
nd tables below.
<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"line-height:105%"><span lang=3D"EN-ZA" styl=
e=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-s=
erif">&nbsp;<o:p></o:p></span></p>
<table class=3D"MsoNormalTable" border=3D"0" cellspacing=3D"0" cellpadding=
=3D"0" width=3D"663" style=3D"width:497.6pt;margin-left:.1pt;border-collaps=
e:collapse">
<tbody>
<tr style=3D"height:27.8pt">
<td width=3D"111" valign=3D"top" style=3D"width:82.95pt;border:solid #92D05=
0 1.0pt;background:#5B9BD5;padding:3.4pt 3.9pt 0cm .25pt;height:27.8pt">
<p class=3D"MsoNormal" style=3D"margin-left:5.05pt;line-height:105%"><b><sp=
an lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&q=
uot;Arial&quot;,sans-serif;color:black">Description
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"553" valign=3D"top" style=3D"width:414.7pt;border:solid #92D05=
0 1.0pt;border-left:none;background:#5B9BD5;padding:3.4pt 3.9pt 0cm .25pt;h=
eight:27.8pt">
<p class=3D"MsoNormal" style=3D"line-height:105%"><b><span lang=3D"EN-ZA" s=
tyle=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,san=
s-serif;color:black">New Definition</span></b><span lang=3D"EN-ZA" style=3D=
"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-serif=
;color:black">
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:136.1pt">
<td width=3D"111" valign=3D"top" style=3D"width:82.95pt;border:solid #92D05=
0 1.0pt;border-top:none;background:red;padding:3.4pt 3.9pt 0cm .25pt;height=
:136.1pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-left:3.6pt;text-ali=
gn:center;line-height:105%">
<b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-fam=
ily:&quot;Arial&quot;,sans-serif;color:black">High
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"553" style=3D"width:414.7pt;border-top:none;border-left:none;b=
order-bottom:solid #92D050 1.0pt;border-right:solid #92D050 1.0pt;padding:3=
.4pt 3.9pt 0cm .25pt;height:136.1pt">
<ul style=3D"margin-top:0cm" type=3D"disc">
<li class=3D"MsoNormal" style=3D"margin-left:-23.5pt;text-align:justify;lin=
e-height:121%;mso-list:l3 level1 lfo8">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:121%;font-family=
:&quot;Arial&quot;,sans-serif">A risk that could have a significant impact =
on operational performance, reputation, brand or threaten the Bank&#8217;s =
future viability.&nbsp;
<o:p></o:p></span></li><li class=3D"MsoNormal" style=3D"margin-bottom:.6pt;=
margin-left:-23.5pt;text-align:justify;line-height:106%;mso-list:l3 level1 =
lfo8">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:106%;font-family=
:&quot;Arial&quot;,sans-serif">It represents a risk that have led or could =
lead to breach of extant laws and regulations and could result in major fin=
e(s).
<o:p></o:p></span></li><li class=3D"MsoNormal" style=3D"margin-left:-23.5pt=
;text-align:justify;line-height:121%;mso-list:l3 level1 lfo8">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:121%;font-family=
:&quot;Arial&quot;,sans-serif">There exists a breakdown of controls, leadin=
g to major operational weaknesses causing or could cause disruptions to pro=
cess or Bank&#8217;s business.
<o:p></o:p></span></li><li class=3D"MsoNormal" style=3D"margin-left:-23.5pt=
;text-align:justify;line-height:115%;mso-list:l3 level1 lfo8">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:115%;font-family=
:&quot;Arial&quot;,sans-serif">Issue has above average likelihood of occurr=
ing and would have a high impact on the Bank&#8217;s business when it occur=
s, based on existing processes/controls.
<o:p></o:p></span></li><li class=3D"MsoNormal" style=3D"margin-left:-23.5pt=
;text-align:justify;line-height:105%;mso-list:l3 level1 lfo8">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">Issue requires urgent management action.
<o:p></o:p></span></li></ul>
</td>
</tr>
<tr style=3D"height:121.1pt">
<td width=3D"111" style=3D"width:82.95pt;border:solid #92D050 1.0pt;border-=
top:none;background:#FFC000;padding:3.4pt 3.9pt 0cm .25pt;height:121.1pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-left:3.65pt;text-al=
ign:center;line-height:105%">
<b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-fam=
ily:&quot;Arial&quot;,sans-serif;color:black">Medium
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"553" style=3D"width:414.7pt;border-top:none;border-left:none;b=
order-bottom:solid #92D050 1.0pt;border-right:solid #92D050 1.0pt;padding:3=
.4pt 3.9pt 0cm .25pt;height:121.1pt">
<p class=3D"MsoNormal" style=3D"margin-left:12.5pt;text-align:justify;text-=
indent:-7.1pt;line-height:121%;mso-list:l7 level1 lfo9">
<![if !supportLists]><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-he=
ight:121%;font-family:&quot;Arial&quot;,sans-serif;color:black;border:none =
windowtext 1.0pt;padding:0cm"><span style=3D"mso-list:Ignore">&#8226;<span =
style=3D"font:7.0pt &quot;Times New Roman&quot;">&nbsp;
</span></span></span><![endif]><span lang=3D"EN-ZA" style=3D"font-size:11.0=
pt;line-height:121%;font-family:&quot;Arial&quot;,sans-serif">A risk that c=
ould have a moderate impact on operational performance, reputation, brand o=
r threaten the Bank&#8217;s future viability.&nbsp;
<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:0cm;mar=
gin-bottom:.5pt;margin-left:12.5pt;text-align:justify;text-indent:-7.1pt;li=
ne-height:121%;mso-list:l7 level1 lfo9">
<![if !supportLists]><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-he=
ight:121%;font-family:&quot;Arial&quot;,sans-serif;color:black;border:none =
windowtext 1.0pt;padding:0cm"><span style=3D"mso-list:Ignore">&#8226;<span =
style=3D"font:7.0pt &quot;Times New Roman&quot;">&nbsp;
</span></span></span><![endif]><span lang=3D"EN-ZA" style=3D"font-size:11.0=
pt;line-height:121%;font-family:&quot;Arial&quot;,sans-serif">There exists =
notable control weakness, which could have or is having some adverse effect=
 on the ability to achieve Bank&#8217;s business objectives.
<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:0cm;mar=
gin-bottom:.65pt;margin-left:12.5pt;text-align:justify;text-indent:-7.1pt;l=
ine-height:106%;mso-list:l7 level1 lfo9">
<![if !supportLists]><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-he=
ight:106%;font-family:&quot;Arial&quot;,sans-serif;color:black;border:none =
windowtext 1.0pt;padding:0cm"><span style=3D"mso-list:Ignore">&#8226;<span =
style=3D"font:7.0pt &quot;Times New Roman&quot;">&nbsp;
</span></span></span><![endif]><span lang=3D"EN-ZA" style=3D"font-size:11.0=
pt;line-height:106%;font-family:&quot;Arial&quot;,sans-serif">Issues have a=
verage likelihood of occurring and average impact on the Bank&#8217;s busin=
ess when it occurs, based on existing processes/controls.
<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:12.5pt;text-align:justify;text-=
indent:-7.1pt;line-height:105%;mso-list:l7 level1 lfo9">
<![if !supportLists]><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-he=
ight:105%;font-family:&quot;Arial&quot;,sans-serif;color:black;border:none =
windowtext 1.0pt;padding:0cm"><span style=3D"mso-list:Ignore">&#8226;<span =
style=3D"font:7.0pt &quot;Times New Roman&quot;">&nbsp;
</span></span></span><![endif]><span lang=3D"EN-ZA" style=3D"font-size:11.0=
pt;line-height:105%;font-family:&quot;Arial&quot;,sans-serif">Issue needs t=
o be addressed at the first available opportunity and requires management m=
edium term action.
<o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:134.05pt">
<td width=3D"111" style=3D"width:82.95pt;border:solid #92D050 1.0pt;border-=
top:none;background:#00B050;padding:3.4pt 3.9pt 0cm .25pt;height:134.05pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-left:3.5pt;text-ali=
gn:center;line-height:105%">
<b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-fam=
ily:&quot;Arial&quot;,sans-serif;color:black">Low
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"553" valign=3D"top" style=3D"width:414.7pt;border-top:none;bor=
der-left:none;border-bottom:solid #92D050 1.0pt;border-right:solid #92D050 =
1.0pt;padding:3.4pt 3.9pt 0cm .25pt;height:134.05pt">
<p class=3D"MsoNormal" style=3D"margin-left:12.5pt;text-align:justify;text-=
indent:0cm;line-height:121%;mso-list:l8 level1 lfo10">
<![if !supportLists]><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-he=
ight:121%;font-family:&quot;Arial&quot;,sans-serif;color:black;border:none =
windowtext 1.0pt;padding:0cm"><span style=3D"mso-list:Ignore">&#8226;<span =
style=3D"font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&n=
bsp;&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span lang=3D"EN-ZA" style=3D"font-size:11.0=
pt;line-height:121%;font-family:&quot;Arial&quot;,sans-serif">A risk that c=
ould have a minor impact on operational performance, reputation, brand or t=
hreaten the Bank&#8217;s future viability.
<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:12.5pt;text-align:justify;text-=
indent:0cm;line-height:105%;mso-list:l8 level1 lfo10">
<![if !supportLists]><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-he=
ight:105%;font-family:&quot;Arial&quot;,sans-serif;color:black;border:none =
windowtext 1.0pt;padding:0cm"><span style=3D"mso-list:Ignore">&#8226;<span =
style=3D"font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&n=
bsp;&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span lang=3D"EN-ZA" style=3D"font-size:11.0=
pt;line-height:105%;font-family:&quot;Arial&quot;,sans-serif">There exist m=
inor control weaknesses with minimal but reportable impact.
<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:0cm;mar=
gin-bottom:2.45pt;margin-left:12.5pt;text-align:justify;text-indent:0cm;lin=
e-height:106%;mso-list:l8 level1 lfo10">
<![if !supportLists]><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-he=
ight:106%;font-family:&quot;Arial&quot;,sans-serif;color:black;border:none =
windowtext 1.0pt;padding:0cm"><span style=3D"mso-list:Ignore">&#8226;<span =
style=3D"font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&n=
bsp;&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span lang=3D"EN-ZA" style=3D"font-size:11.0=
pt;line-height:106%;font-family:&quot;Arial&quot;,sans-serif">Issues might =
have little minor impact on operations but considered industry best practic=
e if implemented.
<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:0cm;mar=
gin-bottom:.65pt;margin-left:12.5pt;text-align:justify;text-indent:0cm;line=
-height:106%;mso-list:l8 level1 lfo10">
<![if !supportLists]><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-he=
ight:106%;font-family:&quot;Arial&quot;,sans-serif;color:black;border:none =
windowtext 1.0pt;padding:0cm"><span style=3D"mso-list:Ignore">&#8226;<span =
style=3D"font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&n=
bsp;&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span lang=3D"EN-ZA" style=3D"font-size:11.0=
pt;line-height:106%;font-family:&quot;Arial&quot;,sans-serif">Issues have b=
elow average likelihood of occurring and minor impact on the Bank&#8217;s b=
usiness when it occurs, based on existing processes/controls.
<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:12.5pt;text-align:justify;text-=
indent:0cm;line-height:105%;mso-list:l8 level1 lfo10">
<![if !supportLists]><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-he=
ight:105%;font-family:&quot;Arial&quot;,sans-serif;color:black;border:none =
windowtext 1.0pt;padding:0cm"><span style=3D"mso-list:Ignore">&#8226;<span =
style=3D"font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&n=
bsp;&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span lang=3D"EN-ZA" style=3D"font-size:11.0=
pt;line-height:105%;font-family:&quot;Arial&quot;,sans-serif">Management sh=
ould consider action within a reasonable time (preferably within a year)
<o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:99.2pt">
<td width=3D"111" style=3D"width:82.95pt;border:solid #92D050 1.0pt;border-=
top:none;background:#00B050;padding:3.4pt 3.9pt 0cm .25pt;height:99.2pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"text-align:center;line-hei=
ght:105%"><b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105=
%;font-family:&quot;Arial&quot;,sans-serif;color:black">Process Improvement
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"553" style=3D"width:414.7pt;border-top:none;border-left:none;b=
order-bottom:solid #92D050 1.0pt;border-right:solid #92D050 1.0pt;padding:3=
.4pt 3.9pt 0cm .25pt;height:99.2pt">
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:0cm;mar=
gin-bottom:.65pt;margin-left:12.5pt;text-align:justify;text-indent:0cm;line=
-height:106%;mso-list:l2 level1 lfo11">
<![if !supportLists]><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-he=
ight:106%;font-family:&quot;Arial&quot;,sans-serif;color:black;border:none =
windowtext 1.0pt;padding:0cm"><span style=3D"mso-list:Ignore">&#8226;<span =
style=3D"font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&n=
bsp;&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span lang=3D"EN-ZA" style=3D"font-size:11.0=
pt;line-height:106%;font-family:&quot;Arial&quot;,sans-serif">Issue does re=
present a minor control weakness but there is scope for improving control e=
fficiency through rationalisation or minor process
 re-engineering. <o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:0cm;mar=
gin-bottom:.5pt;margin-left:12.5pt;text-align:justify;text-indent:0cm;line-=
height:106%;mso-list:l2 level1 lfo11">
<![if !supportLists]><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-he=
ight:106%;font-family:&quot;Arial&quot;,sans-serif;color:black;border:none =
windowtext 1.0pt;padding:0cm"><span style=3D"mso-list:Ignore">&#8226;<span =
style=3D"font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&n=
bsp;&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span lang=3D"EN-ZA" style=3D"font-size:11.0=
pt;line-height:106%;font-family:&quot;Arial&quot;,sans-serif">No existing p=
olicy or Standard Operating Manual (SOM), guiding decision around this risk=
.&nbsp;
<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:12.5pt;text-align:justify;text-=
indent:0cm;line-height:105%;mso-list:l2 level1 lfo11">
<![if !supportLists]><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-he=
ight:105%;font-family:&quot;Arial&quot;,sans-serif;color:black;border:none =
windowtext 1.0pt;padding:0cm"><span style=3D"mso-list:Ignore">&#8226;<span =
style=3D"font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&n=
bsp;&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span lang=3D"EN-ZA" style=3D"font-size:11.0=
pt;line-height:105%;font-family:&quot;Arial&quot;,sans-serif">Should be bet=
ween medium to low on management list of priorities or can be combined with=
 other initiatives.
<o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:0cm;mar=
gin-bottom:7.9pt;margin-left:21.4pt;line-height:105%">
<span style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&qu=
ot;,sans-serif">&nbsp;</span><b><span lang=3D"EN-ZA" style=3D"font-size:11.=
0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-serif">Impact</span=
></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-f=
amily:&quot;Arial&quot;,sans-serif">
 =3D The effect a single occurrence of that risk will have upon the achieve=
ment of the Bank's goals and objectives
<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:0cm;mar=
gin-bottom:7.9pt;margin-left:21.4pt;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:0cm;mar=
gin-bottom:7.9pt;margin-left:21.4pt;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:0cm;mar=
gin-bottom:7.9pt;margin-left:21.4pt;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif"><o:p>&nbsp;</o:p></span></p>
<table class=3D"MsoNormalTable" border=3D"0" cellspacing=3D"0" cellpadding=
=3D"0" width=3D"675" style=3D"width:506.15pt;margin-left:7.25pt;border-coll=
apse:collapse">
<tbody>
<tr style=3D"height:21.6pt">
<td width=3D"94" valign=3D"top" style=3D"width:70.2pt;border:solid black 1.=
0pt;background:#5B9BD5;padding:3.2pt 2.25pt 0cm 5.35pt;height:21.6pt">
<p class=3D"MsoNormal" style=3D"line-height:105%"><b><span lang=3D"EN-ZA" s=
tyle=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,san=
s-serif;color:black">Rating
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"65" valign=3D"top" style=3D"width:48.4pt;border:solid black 1.=
0pt;border-left:none;background:#5B9BD5;padding:3.2pt 2.25pt 0cm 5.35pt;hei=
ght:21.6pt">
<p class=3D"MsoNormal" style=3D"margin-left:.1pt;line-height:105%"><b><span=
 lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quo=
t;Arial&quot;,sans-serif;color:black">Weight
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"517" valign=3D"top" style=3D"width:387.5pt;border:solid black =
1.0pt;border-left:none;background:#5B9BD5;padding:3.2pt 2.25pt 0cm 5.35pt;h=
eight:21.6pt">
<p class=3D"MsoNormal" style=3D"margin-left:.05pt;line-height:105%"><b><spa=
n lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&qu=
ot;Arial&quot;,sans-serif;color:black">Definition
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:45.3pt">
<td width=3D"94" style=3D"width:70.2pt;border:solid black 1.0pt;border-top:=
none;padding:3.2pt 2.25pt 0cm 5.35pt;height:45.3pt">
<p class=3D"MsoNormal" style=3D"line-height:105%"><span lang=3D"EN-ZA" styl=
e=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-s=
erif">Significant
<o:p></o:p></span></p>
</td>
<td width=3D"65" style=3D"width:48.4pt;border-top:none;border-left:none;bor=
der-bottom:solid black 1.0pt;border-right:solid black 1.0pt;padding:3.2pt 2=
.25pt 0cm 5.35pt;height:45.3pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:3.05pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">5
<o:p></o:p></span></p>
</td>
<td width=3D"517" valign=3D"top" style=3D"width:387.5pt;border-top:none;bor=
der-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0p=
t;padding:3.2pt 2.25pt 0cm 5.35pt;height:45.3pt">
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:3.1pt;m=
argin-bottom:0cm;margin-left:.05pt;margin-bottom:.0001pt;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">A risk event, if it occurs, will have a seve=
re impact on achieving desired results, to the extent that one or more of i=
ts critical outcome objectives will not be achieved.&nbsp;
<o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:46.1pt">
<td width=3D"94" style=3D"width:70.2pt;border:solid black 1.0pt;border-top:=
none;padding:3.2pt 2.25pt 0cm 5.35pt;height:46.1pt">
<p class=3D"MsoNormal" style=3D"line-height:105%"><span lang=3D"EN-ZA" styl=
e=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-s=
erif">High
<o:p></o:p></span></p>
</td>
<td width=3D"65" style=3D"width:48.4pt;border-top:none;border-left:none;bor=
der-bottom:solid black 1.0pt;border-right:solid black 1.0pt;padding:3.2pt 2=
.25pt 0cm 5.35pt;height:46.1pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:3.05pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">4
<o:p></o:p></span></p>
</td>
<td width=3D"517" valign=3D"top" style=3D"width:387.5pt;border-top:none;bor=
der-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0p=
t;padding:3.2pt 2.25pt 0cm 5.35pt;height:46.1pt">
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:2.95pt;=
margin-bottom:0cm;margin-left:.05pt;margin-bottom:.0001pt;line-height:105%"=
>
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">A risk event that, if it occurs, will have a=
 high impact on achieving desired results, to the extent that one or more s=
tated outcome objectives will fall below acceptable
 levels. <o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:43.7pt">
<td width=3D"94" style=3D"width:70.2pt;border:solid black 1.0pt;border-top:=
none;padding:3.2pt 2.25pt 0cm 5.35pt;height:43.7pt">
<p class=3D"MsoNormal" style=3D"line-height:105%"><span lang=3D"EN-ZA" styl=
e=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-s=
erif">Moderate
<o:p></o:p></span></p>
</td>
<td width=3D"65" style=3D"width:48.4pt;border-top:none;border-left:none;bor=
der-bottom:solid black 1.0pt;border-right:solid black 1.0pt;padding:3.2pt 2=
.25pt 0cm 5.35pt;height:43.7pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:3.05pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">3
<o:p></o:p></span></p>
</td>
<td width=3D"517" valign=3D"top" style=3D"width:387.5pt;border-top:none;bor=
der-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0p=
t;padding:3.2pt 2.25pt 0cm 5.35pt;height:43.7pt">
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:3.15pt;=
margin-bottom:0cm;margin-left:.05pt;margin-bottom:.0001pt;line-height:105%"=
>
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">A risk event that, if it occurs, will have a=
 moderate impact on achieving desired results, to the extent that one or mo=
re stated outcome objectives will fall well below
 goals but above minimum acceptable levels. <o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:48.85pt">
<td width=3D"94" style=3D"width:70.2pt;border:solid black 1.0pt;border-top:=
none;padding:3.2pt 2.25pt 0cm 5.35pt;height:48.85pt">
<p class=3D"MsoNormal" style=3D"line-height:105%"><span lang=3D"EN-ZA" styl=
e=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-s=
erif">Minor
<o:p></o:p></span></p>
</td>
<td width=3D"65" style=3D"width:48.4pt;border-top:none;border-left:none;bor=
der-bottom:solid black 1.0pt;border-right:solid black 1.0pt;padding:3.2pt 2=
.25pt 0cm 5.35pt;height:48.85pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:3.05pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">2
<o:p></o:p></span></p>
</td>
<td width=3D"517" style=3D"width:387.5pt;border-top:none;border-left:none;b=
order-bottom:solid black 1.0pt;border-right:solid black 1.0pt;padding:3.2pt=
 2.25pt 0cm 5.35pt;height:48.85pt">
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:3.0pt;m=
argin-bottom:0cm;margin-left:.05pt;margin-bottom:.0001pt;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">A risk event that, if it occurs, will have a=
 minor impact on achieving desired results to the extent that one or more s=
tated outcome objectives will fall below goals
 but well above minimum acceptable levels. <o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:32.9pt">
<td width=3D"94" style=3D"width:70.2pt;border:solid black 1.0pt;border-top:=
none;padding:3.2pt 2.25pt 0cm 5.35pt;height:32.9pt">
<p class=3D"MsoNormal" style=3D"line-height:105%"><span lang=3D"EN-ZA" styl=
e=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-s=
erif">Insignificant
<o:p></o:p></span></p>
</td>
<td width=3D"65" style=3D"width:48.4pt;border-top:none;border-left:none;bor=
der-bottom:solid black 1.0pt;border-right:solid black 1.0pt;padding:3.2pt 2=
.25pt 0cm 5.35pt;height:32.9pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:3.05pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">1
<o:p></o:p></span></p>
</td>
<td width=3D"517" valign=3D"top" style=3D"width:387.5pt;border-top:none;bor=
der-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0p=
t;padding:3.2pt 2.25pt 0cm 5.35pt;height:32.9pt">
<p class=3D"MsoNormal" style=3D"margin-left:.05pt;line-height:105%"><span l=
ang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;=
Arial&quot;,sans-serif">A risk event, if it occurs, will have little or no =
impact on achieving outcome objectives.
<o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:0cm;mar=
gin-bottom:8.0pt;margin-left:21.4pt;line-height:105%">
<span style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&qu=
ot;,sans-serif">&nbsp;</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt=
;line-height:105%;font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></sp=
an></p>
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:60.05pt=
;margin-bottom:0cm;margin-left:17.3pt;margin-bottom:.0001pt">
<b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;font-family:&quot;Arial&q=
uot;,sans-serif">Likelihood =3D
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;font-family:&quot=
;Arial&quot;,sans-serif">The probability that a risk will become reality at=
 the Bank.
<o:p></o:p></span></p>
<table class=3D"MsoNormalTable" border=3D"0" cellspacing=3D"0" cellpadding=
=3D"0" width=3D"670" style=3D"width:502.25pt;margin-left:7.25pt;border-coll=
apse:collapse">
<tbody>
<tr style=3D"height:22.1pt">
<td width=3D"116" valign=3D"top" style=3D"width:87.15pt;border:solid black =
1.0pt;background:#5B9BD5;padding:.5pt 3.45pt 0cm 5.35pt;height:22.1pt">
<p class=3D"MsoNormal" style=3D"line-height:105%"><b><span lang=3D"EN-ZA" s=
tyle=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,san=
s-serif;color:black">Rating
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"65" valign=3D"top" style=3D"width:48.7pt;border:solid black 1.=
0pt;border-left:none;background:#5B9BD5;padding:.5pt 3.45pt 0cm 5.35pt;heig=
ht:22.1pt">
<p class=3D"MsoNormal" style=3D"margin-left:.1pt;line-height:105%"><b><span=
 lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quo=
t;Arial&quot;,sans-serif;color:black">Weight
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"295" valign=3D"top" style=3D"width:220.95pt;border:solid black=
 1.0pt;border-left:none;background:#5B9BD5;padding:.5pt 3.45pt 0cm 5.35pt;h=
eight:22.1pt">
<p class=3D"MsoNormal" style=3D"margin-left:.15pt;line-height:105%"><b><spa=
n lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&qu=
ot;Arial&quot;,sans-serif;color:black">Likelihood of occurrence
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"194" valign=3D"top" style=3D"width:145.4pt;border:solid black =
1.0pt;border-left:none;background:#5B9BD5;padding:.5pt 3.45pt 0cm 5.35pt;he=
ight:22.1pt">
<p class=3D"MsoNormal" style=3D"margin-left:.1pt;line-height:105%"><b><span=
 lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quo=
t;Arial&quot;,sans-serif;color:black">Frequency
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:22.15pt">
<td width=3D"116" valign=3D"top" style=3D"width:87.15pt;border:solid black =
1.0pt;border-top:none;padding:.5pt 3.45pt 0cm 5.35pt;height:22.15pt">
<p class=3D"MsoNormal" style=3D"line-height:105%"><span lang=3D"EN-ZA" styl=
e=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-s=
erif">Almost Certain
<o:p></o:p></span></p>
</td>
<td width=3D"65" valign=3D"top" style=3D"width:48.7pt;border-top:none;borde=
r-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;=
padding:.5pt 3.45pt 0cm 5.35pt;height:22.15pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:1.65pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">5
<o:p></o:p></span></p>
</td>
<td width=3D"295" valign=3D"top" style=3D"width:220.95pt;border-top:none;bo=
rder-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0=
pt;padding:.5pt 3.45pt 0cm 5.35pt;height:22.15pt">
<p class=3D"MsoNormal" style=3D"margin-left:.15pt;line-height:105%"><span l=
ang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;=
Arial&quot;,sans-serif">Will occur in most circumstances
<o:p></o:p></span></p>
</td>
<td width=3D"194" valign=3D"top" style=3D"width:145.4pt;border-top:none;bor=
der-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0p=
t;padding:.5pt 3.45pt 0cm 5.35pt;height:22.15pt">
<p class=3D"MsoNormal" style=3D"margin-left:.1pt;line-height:105%"><span la=
ng=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;A=
rial&quot;,sans-serif">At least monthly
<o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:22.2pt">
<td width=3D"116" valign=3D"top" style=3D"width:87.15pt;border:solid black =
1.0pt;border-top:none;padding:.5pt 3.45pt 0cm 5.35pt;height:22.2pt">
<p class=3D"MsoNormal" style=3D"line-height:105%"><span lang=3D"EN-ZA" styl=
e=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-s=
erif">Likely
<o:p></o:p></span></p>
</td>
<td width=3D"65" valign=3D"top" style=3D"width:48.7pt;border-top:none;borde=
r-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;=
padding:.5pt 3.45pt 0cm 5.35pt;height:22.2pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:1.65pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">4
<o:p></o:p></span></p>
</td>
<td width=3D"295" valign=3D"top" style=3D"width:220.95pt;border-top:none;bo=
rder-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0=
pt;padding:.5pt 3.45pt 0cm 5.35pt;height:22.2pt">
<p class=3D"MsoNormal" style=3D"margin-left:.15pt;line-height:105%"><span l=
ang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;=
Arial&quot;,sans-serif">Probably occur in most circumstances&nbsp;
<o:p></o:p></span></p>
</td>
<td width=3D"194" valign=3D"top" style=3D"width:145.4pt;border-top:none;bor=
der-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0p=
t;padding:.5pt 3.45pt 0cm 5.35pt;height:22.2pt">
<p class=3D"MsoNormal" style=3D"margin-left:.1pt;line-height:105%"><span la=
ng=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;A=
rial&quot;,sans-serif">Once in every quarter
<o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:22.1pt">
<td width=3D"116" valign=3D"top" style=3D"width:87.15pt;border:solid black =
1.0pt;border-top:none;padding:.5pt 3.45pt 0cm 5.35pt;height:22.1pt">
<p class=3D"MsoNormal" style=3D"line-height:105%"><span lang=3D"EN-ZA" styl=
e=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-s=
erif">Possible
<o:p></o:p></span></p>
</td>
<td width=3D"65" valign=3D"top" style=3D"width:48.7pt;border-top:none;borde=
r-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;=
padding:.5pt 3.45pt 0cm 5.35pt;height:22.1pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:1.65pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">3
<o:p></o:p></span></p>
</td>
<td width=3D"295" valign=3D"top" style=3D"width:220.95pt;border-top:none;bo=
rder-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0=
pt;padding:.5pt 3.45pt 0cm 5.35pt;height:22.1pt">
<p class=3D"MsoNormal" style=3D"margin-left:.15pt;line-height:105%"><span l=
ang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;=
Arial&quot;,sans-serif">Should occur at some time&nbsp;
<o:p></o:p></span></p>
</td>
<td width=3D"194" valign=3D"top" style=3D"width:145.4pt;border-top:none;bor=
der-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0p=
t;padding:.5pt 3.45pt 0cm 5.35pt;height:22.1pt">
<p class=3D"MsoNormal" style=3D"margin-left:.1pt;line-height:105%"><span la=
ng=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;A=
rial&quot;,sans-serif">Annually
<o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:22.2pt">
<td width=3D"116" valign=3D"top" style=3D"width:87.15pt;border:solid black =
1.0pt;border-top:none;padding:.5pt 3.45pt 0cm 5.35pt;height:22.2pt">
<p class=3D"MsoNormal" style=3D"line-height:105%"><span lang=3D"EN-ZA" styl=
e=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-s=
erif">Unlikely
<o:p></o:p></span></p>
</td>
<td width=3D"65" valign=3D"top" style=3D"width:48.7pt;border-top:none;borde=
r-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;=
padding:.5pt 3.45pt 0cm 5.35pt;height:22.2pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:1.65pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">2
<o:p></o:p></span></p>
</td>
<td width=3D"295" valign=3D"top" style=3D"width:220.95pt;border-top:none;bo=
rder-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0=
pt;padding:.5pt 3.45pt 0cm 5.35pt;height:22.2pt">
<p class=3D"MsoNormal" style=3D"margin-left:.15pt;line-height:105%"><span l=
ang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;=
Arial&quot;,sans-serif">May occur at some time
<o:p></o:p></span></p>
</td>
<td width=3D"194" valign=3D"top" style=3D"width:145.4pt;border-top:none;bor=
der-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0p=
t;padding:.5pt 3.45pt 0cm 5.35pt;height:22.2pt">
<p class=3D"MsoNormal" style=3D"margin-left:.1pt;line-height:105%"><span la=
ng=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;A=
rial&quot;,sans-serif">once in every 5 years
<o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:22.2pt">
<td width=3D"116" valign=3D"top" style=3D"width:87.15pt;border:solid black =
1.0pt;border-top:none;padding:.5pt 3.45pt 0cm 5.35pt;height:22.2pt">
<p class=3D"MsoNormal" style=3D"line-height:105%"><span lang=3D"EN-ZA" styl=
e=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-s=
erif">Rare
<o:p></o:p></span></p>
</td>
<td width=3D"65" valign=3D"top" style=3D"width:48.7pt;border-top:none;borde=
r-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;=
padding:.5pt 3.45pt 0cm 5.35pt;height:22.2pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:1.65pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">1
<o:p></o:p></span></p>
</td>
<td width=3D"295" valign=3D"top" style=3D"width:220.95pt;border-top:none;bo=
rder-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0=
pt;padding:.5pt 3.45pt 0cm 5.35pt;height:22.2pt">
<p class=3D"MsoNormal" style=3D"margin-left:.15pt;line-height:105%"><span l=
ang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;=
Arial&quot;,sans-serif">May occur in exceptional circumstances&nbsp;
<o:p></o:p></span></p>
</td>
<td width=3D"194" valign=3D"top" style=3D"width:145.4pt;border-top:none;bor=
der-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0p=
t;padding:.5pt 3.45pt 0cm 5.35pt;height:22.2pt">
<p class=3D"MsoNormal" style=3D"margin-left:.1pt;line-height:105%"><span la=
ng=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;A=
rial&quot;,sans-serif">Once in 10 years
<o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:0cm;mar=
gin-bottom:7.9pt;margin-left:21.4pt;line-height:105%">
<b><span style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial=
&quot;,sans-serif">&nbsp;</span></b><b><span lang=3D"EN-ZA" style=3D"font-s=
ize:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-serif"><o:p>=
</o:p></span></b></p>
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:0cm;mar=
gin-bottom:7.9pt;margin-left:21.4pt;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">Risk Grid&nbsp;
<o:p></o:p></span></p>
<table class=3D"MsoNormalTable" border=3D"0" cellspacing=3D"0" cellpadding=
=3D"0" width=3D"558" style=3D"width:418.15pt;margin-left:21.4pt;border-coll=
apse:collapse">
<tbody>
<tr style=3D"height:17.3pt">
<td width=3D"38" rowspan=3D"7" valign=3D"top" style=3D"width:28.3pt;border:=
solid black 1.0pt;padding:1.9pt 3.45pt 0cm 5.4pt;height:17.3pt">
<p class=3D"MsoNormal" style=3D"margin-left:2.75pt;line-height:105%"><span =
lang=3D"EN-ZA"><img width=3D"16" height=3D"99" style=3D"width:.1666in;heigh=
t:1.0312in" id=3D"_x0000_i1032" src=3D"cid:image009.png@01DA4D1C.3A9901E0">=
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"47" valign=3D"top" style=3D"width:35.5pt;border:solid black 1.=
0pt;border-left:none;padding:1.9pt 3.45pt 0cm 5.4pt;height:17.3pt">
<p class=3D"MsoNormal" style=3D"line-height:105%"><span lang=3D"EN-ZA" styl=
e=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-s=
erif">&nbsp;&nbsp;<o:p></o:p></span></p>
</td>
<td width=3D"75" valign=3D"top" style=3D"width:56.6pt;border-top:solid blac=
k 1.0pt;border-left:none;border-bottom:solid black 1.0pt;border-right:none;=
padding:1.9pt 3.45pt 0cm 5.4pt;height:17.3pt">
<p class=3D"MsoNormal" style=3D"margin-bottom:8.0pt;line-height:105%"><span=
 lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quo=
t;Arial&quot;,sans-serif"><o:p>&nbsp;</o:p></span></p>
</td>
<td width=3D"85" valign=3D"top" style=3D"width:63.85pt;border-top:solid bla=
ck 1.0pt;border-left:none;border-bottom:solid black 1.0pt;border-right:none=
;padding:1.9pt 3.45pt 0cm 5.4pt;height:17.3pt">
<p class=3D"MsoNormal" style=3D"margin-bottom:8.0pt;line-height:105%"><span=
 lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quo=
t;Arial&quot;,sans-serif"><o:p>&nbsp;</o:p></span></p>
</td>
<td width=3D"198" colspan=3D"2" valign=3D"top" style=3D"width:148.85pt;bord=
er-top:solid black 1.0pt;border-left:none;border-bottom:solid black 1.0pt;b=
order-right:none;padding:1.9pt 3.45pt 0cm 5.4pt;height:17.3pt">
<p class=3D"MsoNormal" style=3D"margin-left:30.2pt;line-height:105%"><b><sp=
an lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&q=
uot;Arial&quot;,sans-serif">IMPACT&nbsp;
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"113" valign=3D"top" style=3D"width:3.0cm;border:solid black 1.=
0pt;border-left:none;padding:1.9pt 3.45pt 0cm 5.4pt;height:17.3pt">
<p class=3D"MsoNormal" style=3D"margin-bottom:8.0pt;line-height:105%"><span=
 lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quo=
t;Arial&quot;,sans-serif"><o:p>&nbsp;</o:p></span></p>
</td>
</tr>
<tr style=3D"height:21.6pt">
<td width=3D"47" valign=3D"top" style=3D"width:35.5pt;border-top:none;borde=
r-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;=
padding:1.9pt 3.45pt 0cm 5.4pt;height:21.6pt">
<p class=3D"MsoNormal" style=3D"line-height:105%"><span lang=3D"EN-ZA" styl=
e=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-s=
erif">&nbsp;
<o:p></o:p></span></p>
</td>
<td width=3D"75" valign=3D"top" style=3D"width:56.6pt;border-top:none;borde=
r-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;=
padding:1.9pt 3.45pt 0cm 5.4pt;height:21.6pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:1.95pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">1
<o:p></o:p></span></p>
</td>
<td width=3D"85" valign=3D"top" style=3D"width:63.85pt;border-top:none;bord=
er-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt=
;padding:1.9pt 3.45pt 0cm 5.4pt;height:21.6pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:1.85pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">2
<o:p></o:p></span></p>
</td>
<td width=3D"94" valign=3D"top" style=3D"width:70.8pt;border-top:none;borde=
r-left:none;border-bottom:solid red 1.0pt;border-right:solid black 1.0pt;pa=
dding:1.9pt 3.45pt 0cm 5.4pt;height:21.6pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:1.9pt;text-al=
ign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">3
<o:p></o:p></span></p>
</td>
<td width=3D"104" valign=3D"top" style=3D"width:78.0pt;border-top:none;bord=
er-left:none;border-bottom:solid red 1.0pt;border-right:solid black 1.0pt;p=
adding:1.9pt 3.45pt 0cm 5.4pt;height:21.6pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:1.9pt;text-al=
ign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">4
<o:p></o:p></span></p>
</td>
<td width=3D"113" valign=3D"top" style=3D"width:3.0cm;border-top:none;borde=
r-left:none;border-bottom:solid red 1.0pt;border-right:solid black 1.0pt;pa=
dding:1.9pt 3.45pt 0cm 5.4pt;height:21.6pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:1.75pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">5
<o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:16.0pt">
<td width=3D"47" valign=3D"top" style=3D"width:35.5pt;border-top:none;borde=
r-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;=
padding:1.9pt 3.45pt 0cm 5.4pt;height:16.0pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:2.05pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">5
<o:p></o:p></span></p>
</td>
<td width=3D"75" valign=3D"top" style=3D"width:56.6pt;border-top:none;borde=
r-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;=
background:#FFC000;padding:1.9pt 3.45pt 0cm 5.4pt;height:16.0pt">
<p class=3D"MsoNormal" style=3D"line-height:105%"><span lang=3D"EN-ZA" styl=
e=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-s=
erif;color:black">Medium
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"85" valign=3D"top" style=3D"width:63.85pt;border-top:none;bord=
er-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt=
;background:#FFC000;padding:1.9pt 3.45pt 0cm 5.4pt;height:16.0pt">
<p class=3D"MsoNormal" style=3D"margin-left:.1pt;line-height:105%"><span la=
ng=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;A=
rial&quot;,sans-serif;color:black">Medium
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"94" valign=3D"top" style=3D"width:70.8pt;border-top:none;borde=
r-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;=
background:red;padding:1.9pt 3.45pt 0cm 5.4pt;height:16.0pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:1.8pt;text-al=
ign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif;color:black">High
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"104" valign=3D"top" style=3D"width:78.0pt;border-top:none;bord=
er-left:none;border-bottom:solid red 1.0pt;border-right:solid black 1.0pt;b=
ackground:red;padding:1.9pt 3.45pt 0cm 5.4pt;height:16.0pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:1.75pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif;color:black">High
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"113" valign=3D"top" style=3D"width:3.0cm;border-top:none;borde=
r-left:none;border-bottom:solid red 1.0pt;border-right:solid black 1.0pt;ba=
ckground:red;padding:1.9pt 3.45pt 0cm 5.4pt;height:16.0pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:1.6pt;text-al=
ign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif;color:black">High
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:15.95pt">
<td width=3D"47" valign=3D"top" style=3D"width:35.5pt;border-top:none;borde=
r-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;=
padding:1.9pt 3.45pt 0cm 5.4pt;height:15.95pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:2.05pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">4
<o:p></o:p></span></p>
</td>
<td width=3D"75" valign=3D"top" style=3D"width:56.6pt;border-top:none;borde=
r-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;=
background:#00B050;padding:1.9pt 3.45pt 0cm 5.4pt;height:15.95pt">
<p class=3D"MsoNormal" style=3D"line-height:105%"><span lang=3D"EN-ZA" styl=
e=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-s=
erif;color:black">Low&nbsp;
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"85" valign=3D"top" style=3D"width:63.85pt;border-top:none;bord=
er-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt=
;background:#FFC000;padding:1.9pt 3.45pt 0cm 5.4pt;height:15.95pt">
<p class=3D"MsoNormal" style=3D"margin-left:.1pt;line-height:105%"><span la=
ng=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;A=
rial&quot;,sans-serif;color:black">Medium
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"94" valign=3D"top" style=3D"width:70.8pt;border-top:none;borde=
r-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;=
background:#FFC000;padding:1.9pt 3.45pt 0cm 5.4pt;height:15.95pt">
<p class=3D"MsoNormal" style=3D"margin-left:7.75pt;line-height:105%"><span =
lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot=
;Arial&quot;,sans-serif;color:black">Medium
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"104" valign=3D"top" style=3D"width:78.0pt;border-top:none;bord=
er-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt=
;background:red;padding:1.9pt 3.45pt 0cm 5.4pt;height:15.95pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:1.75pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif;color:black">High
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"113" valign=3D"top" style=3D"width:3.0cm;border-top:none;borde=
r-left:none;border-bottom:solid red 1.0pt;border-right:solid black 1.0pt;ba=
ckground:red;padding:1.9pt 3.45pt 0cm 5.4pt;height:15.95pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:1.6pt;text-al=
ign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif;color:black">High
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:16.0pt">
<td width=3D"47" valign=3D"top" style=3D"width:35.5pt;border-top:none;borde=
r-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;=
padding:1.9pt 3.45pt 0cm 5.4pt;height:16.0pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:2.05pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">3
<o:p></o:p></span></p>
</td>
<td width=3D"75" valign=3D"top" style=3D"width:56.6pt;border-top:none;borde=
r-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;=
background:#00B050;padding:1.9pt 3.45pt 0cm 5.4pt;height:16.0pt">
<p class=3D"MsoNormal" style=3D"line-height:105%"><span lang=3D"EN-ZA" styl=
e=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-s=
erif;color:black">Low&nbsp;
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"85" valign=3D"top" style=3D"width:63.85pt;border-top:none;bord=
er-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt=
;background:#FFC000;padding:1.9pt 3.45pt 0cm 5.4pt;height:16.0pt">
<p class=3D"MsoNormal" style=3D"margin-left:.1pt;line-height:105%"><span la=
ng=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;A=
rial&quot;,sans-serif;color:black">Medium
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"94" valign=3D"top" style=3D"width:70.8pt;border-top:none;borde=
r-left:none;border-bottom:solid #FFC000 1.0pt;border-right:solid black 1.0p=
t;background:#FFC000;padding:1.9pt 3.45pt 0cm 5.4pt;height:16.0pt">
<p class=3D"MsoNormal" style=3D"margin-left:7.75pt;line-height:105%"><span =
lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot=
;Arial&quot;,sans-serif;color:black">Medium
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"104" valign=3D"top" style=3D"width:78.0pt;border-top:none;bord=
er-left:none;border-bottom:solid #FFC000 1.0pt;border-right:solid black 1.0=
pt;background:#FFC000;padding:1.9pt 3.45pt 0cm 5.4pt;height:16.0pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:1.75pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif;color:black">Medium
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"113" valign=3D"top" style=3D"width:3.0cm;border-top:none;borde=
r-left:none;border-bottom:solid #FFC000 1.0pt;border-right:solid black 1.0p=
t;background:red;padding:1.9pt 3.45pt 0cm 5.4pt;height:16.0pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:1.6pt;text-al=
ign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif;color:black">High
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:16.75pt">
<td width=3D"47" valign=3D"top" style=3D"width:35.5pt;border-top:none;borde=
r-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;=
padding:1.9pt 3.45pt 0cm 5.4pt;height:16.75pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:2.05pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">2
<o:p></o:p></span></p>
</td>
<td width=3D"75" valign=3D"top" style=3D"width:56.6pt;border-top:none;borde=
r-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;=
background:#00B050;padding:1.9pt 3.45pt 0cm 5.4pt;height:16.75pt">
<p class=3D"MsoNormal" style=3D"line-height:105%"><span lang=3D"EN-ZA" styl=
e=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-s=
erif;color:black">Low&nbsp;
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"85" valign=3D"top" style=3D"width:63.85pt;border-top:none;bord=
er-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt=
;background:#00B050;padding:1.9pt 3.45pt 0cm 5.4pt;height:16.75pt">
<p class=3D"MsoNormal" style=3D"margin-left:.1pt;line-height:105%"><span la=
ng=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;A=
rial&quot;,sans-serif;color:black">Low&nbsp;
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"94" valign=3D"top" style=3D"width:70.8pt;border-top:none;borde=
r-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;=
background:#FFC000;padding:1.9pt 3.45pt 0cm 5.4pt;height:16.75pt">
<p class=3D"MsoNormal" style=3D"margin-left:7.75pt;line-height:105%"><span =
lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot=
;Arial&quot;,sans-serif;color:black">Medium
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"104" valign=3D"top" style=3D"width:78.0pt;border-top:none;bord=
er-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt=
;background:#FFC000;padding:1.9pt 3.45pt 0cm 5.4pt;height:16.75pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:1.75pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif;color:black">Medium
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"113" valign=3D"top" style=3D"width:3.0cm;border-top:none;borde=
r-left:none;border-bottom:solid #FFC000 1.0pt;border-right:solid black 1.0p=
t;background:#FFC000;padding:1.9pt 3.45pt 0cm 5.4pt;height:16.75pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:1.85pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif;color:black">Medium
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:16.6pt">
<td width=3D"47" valign=3D"top" style=3D"width:35.5pt;border-top:none;borde=
r-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;=
padding:1.9pt 3.45pt 0cm 5.4pt;height:16.6pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:2.05pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">1
<o:p></o:p></span></p>
</td>
<td width=3D"75" valign=3D"top" style=3D"width:56.6pt;border-top:none;borde=
r-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;=
background:#00B050;padding:1.9pt 3.45pt 0cm 5.4pt;height:16.6pt">
<p class=3D"MsoNormal" style=3D"line-height:105%"><span lang=3D"EN-ZA" styl=
e=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-s=
erif;color:black">Low&nbsp;
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"85" valign=3D"top" style=3D"width:63.85pt;border-top:none;bord=
er-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt=
;background:#00B050;padding:1.9pt 3.45pt 0cm 5.4pt;height:16.6pt">
<p class=3D"MsoNormal" style=3D"margin-left:.1pt;line-height:105%"><span la=
ng=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;A=
rial&quot;,sans-serif;color:black">Low&nbsp;
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"94" valign=3D"top" style=3D"width:70.8pt;border-top:none;borde=
r-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;=
background:#00B050;padding:1.9pt 3.45pt 0cm 5.4pt;height:16.6pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:1.85pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif;color:black">Low
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"104" valign=3D"top" style=3D"width:78.0pt;border-top:none;bord=
er-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt=
;background:#00B050;padding:1.9pt 3.45pt 0cm 5.4pt;height:16.6pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:1.85pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif;color:black">Low
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"113" valign=3D"top" style=3D"width:3.0cm;border-top:none;borde=
r-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;=
background:#FFC000;padding:1.9pt 3.45pt 0cm 5.4pt;height:16.6pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:1.85pt;text-a=
lign:center;line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif;color:black">Medium
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:0cm;mar=
gin-bottom:7.9pt;margin-left:21.4pt;line-height:105%">
<span style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&qu=
ot;,sans-serif">&nbsp;</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt=
;line-height:105%;font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></sp=
an></p>
<p class=3D"MsoNormal" style=3D"margin-left:57.4pt;line-height:105%"><span =
lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot=
;Arial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
<table class=3D"MsoNormalTable" border=3D"0" cellspacing=3D"0" cellpadding=
=3D"0" width=3D"686" style=3D"width:514.7pt;margin-left:-13.9pt;border-coll=
apse:collapse">
<tbody>
<tr style=3D"height:14.25pt">
<td width=3D"471" colspan=3D"3" valign=3D"top" style=3D"width:353.55pt;bord=
er:solid black 1.0pt;border-right:solid black 1.5pt;background:#5B9BD5;padd=
ing:.5pt 0cm .15pt 0cm;height:14.25pt">
<p class=3D"MsoNormal" style=3D"margin-left:.35pt;line-height:105%"><b><spa=
n lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&qu=
ot;Arial&quot;,sans-serif;color:black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Audit Rat=
ings Definition
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"215" colspan=3D"9" valign=3D"top" style=3D"width:161.15pt;bord=
er-top:solid black 1.0pt;border-left:none;border-bottom:solid black 1.0pt;b=
order-right:solid black 1.5pt;background:#5B9BD5;padding:.5pt 0cm .15pt 0cm=
;height:14.25pt">
<p class=3D"MsoNormal" style=3D"margin-left:1.6pt;line-height:105%"><b><spa=
n lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&qu=
ot;Arial&quot;,sans-serif;color:black">Distribution of Audit Exceptions</sp=
an></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:26.55pt">
<td width=3D"97" style=3D"width:72.95pt;border:solid black 1.0pt;border-top=
:none;background:#5B9BD5;padding:.5pt 0cm .15pt 0cm;height:26.55pt">
</td>
<td width=3D"232" style=3D"width:174.3pt;border-top:none;border-left:none;b=
order-bottom:solid black 1.0pt;border-right:solid black 1.0pt;background:#5=
B9BD5;padding:.5pt 0cm .15pt 0cm;height:26.55pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-left:.25pt;text-ali=
gn:center;line-height:105%">
<b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-fam=
ily:&quot;Arial&quot;,sans-serif;color:black">Definition
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"142" style=3D"width:106.3pt;border:none;border-right:solid bla=
ck 1.5pt;background:#5B9BD5;padding:.5pt 0cm .15pt 0cm;height:26.55pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:3.85pt;text-a=
lign:center;line-height:105%">
<b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-fam=
ily:&quot;Arial&quot;,sans-serif;color:black">Rating Criteria
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"80" colspan=3D"2" style=3D"width:59.9pt;border:none;border-rig=
ht:solid black 1.0pt;background:#5B9BD5;padding:.5pt 0cm .15pt 0cm;height:2=
6.55pt">
<p class=3D"MsoNormal" style=3D"margin-left:6.3pt;line-height:105%"><b><spa=
n lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&qu=
ot;Arial&quot;,sans-serif;color:black">High Risk
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"75" colspan=3D"4" valign=3D"top" style=3D"width:56.2pt;border:=
none;border-right:solid black 1.0pt;background:#5B9BD5;padding:.5pt 0cm .15=
pt 0cm;height:26.55pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"text-align:center;line-hei=
ght:105%"><b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105=
%;font-family:&quot;Arial&quot;,sans-serif;color:black">Medium Risk
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"60" colspan=3D"3" valign=3D"top" style=3D"width:45.0pt;border:=
none;border-right:solid black 1.5pt;background:#5B9BD5;padding:.5pt 0cm .15=
pt 0cm;height:26.55pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-left:.25pt;text-ali=
gn:center;line-height:105%">
<b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-fam=
ily:&quot;Arial&quot;,sans-serif;color:black">Low
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-left:.3pt;text-alig=
n:center;line-height:105%">
<b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-fam=
ily:&quot;Arial&quot;,sans-serif;color:black">Risk
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:66.65pt">
<td width=3D"97" rowspan=3D"6" style=3D"width:72.95pt;border:solid black 1.=
0pt;border-top:none;padding:.5pt 0cm .15pt 0cm;height:66.65pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"text-align:center;line-hei=
ght:105%"><b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105=
%;font-family:&quot;Arial&quot;,sans-serif">Satisfactory (75 - 100%)
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"232" rowspan=3D"6" valign=3D"top" style=3D"width:174.3pt;borde=
r-top:none;border-left:none;border-bottom:solid black 1.0pt;border-right:so=
lid black 1.0pt;padding:.5pt 0cm .15pt 0cm;height:66.65pt">
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:4.75pt;=
margin-bottom:0cm;margin-left:.6pt;margin-bottom:.0001pt;text-align:justify=
;line-height:97%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:97%;font-family:=
&quot;Arial&quot;,sans-serif">Controls evaluated are adequate, appropriate,=
 and effective to provide reasonable assurance that risks are being managed=
 and objectives should be met.
<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:.6pt;text-align:justify;line-he=
ight:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:4.0pt;m=
argin-bottom:0cm;margin-left:.6pt;margin-bottom:.0001pt;text-align:justify;=
line-height:97%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:97%;font-family:=
&quot;Arial&quot;,sans-serif">Exceptions noted should be resolved by manage=
ment without the intervention of the Board within a time frame not exceedin=
g of one (1) month.
<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:.3pt;ma=
rgin-bottom:0cm;margin-left:.6pt;margin-bottom:.0001pt;text-align:justify;l=
ine-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">Note: Where there are severe regulatory issu=
es, fraudulent issues and repeat findings, final overall audit report ratin=
g will be stepped down to Needs Improvement or
 Unsatisfactory report. <o:p></o:p></span></p>
</td>
<td width=3D"142" rowspan=3D"6" valign=3D"bottom" style=3D"width:106.3pt;bo=
rder-top:none;border-left:none;border-bottom:solid black 1.0pt;border-right=
:solid black 1.5pt;padding:.5pt 0cm .15pt 0cm;height:66.65pt">
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:7.4pt;m=
argin-bottom:0cm;margin-left:5.55pt;margin-bottom:.0001pt;text-align:justif=
y;line-height:97%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:97%;font-family:=
&quot;Arial&quot;,sans-serif">One major control weakness noted i.e., one hi=
gh risk exception.
<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:5.55pt;text-align:justify;line-=
height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:-.45pt;line-height:105%"><span =
lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot=
;Arial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:-.45pt;line-height:105%"><span =
lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot=
;Arial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:-.4pt;line-height:105%"><span l=
ang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;=
Arial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:110.0pt=
;margin-bottom:0cm;margin-left:-.45pt;margin-bottom:.0001pt;line-height:105=
%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">&nbsp;&nbsp;<o:p></o:p></span></p>
</td>
<td width=3D"215" colspan=3D"9" valign=3D"bottom" style=3D"width:161.15pt;b=
order-top:none;border-left:none;border-bottom:solid black 1.0pt;border-righ=
t:solid black 1.5pt;padding:.5pt 0cm .15pt 0cm;height:66.65pt">
<p class=3D"MsoNormal" style=3D"margin-left:.3pt;line-height:105%"><span la=
ng=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;A=
rial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:12.8pt">
<td width=3D"59" valign=3D"top" style=3D"width:44.25pt;border-top:none;bord=
er-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt=
;padding:.5pt 0cm .15pt 0cm;height:12.8pt">
<p class=3D"MsoNormal" style=3D"margin-left:5.95pt;line-height:105%"><b><sp=
an lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&q=
uot;Arial&quot;,sans-serif">Rating
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"53" colspan=3D"3" valign=3D"top" style=3D"width:39.4pt;border-=
top:none;border-left:none;border-bottom:solid black 1.0pt;border-right:soli=
d black 1.0pt;background:red;padding:.5pt 0cm .15pt 0cm;height:12.8pt">
<p class=3D"MsoNormal" style=3D"margin-left:6.35pt;line-height:105%"><span =
lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot=
;Arial&quot;,sans-serif;color:black">H
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"51" colspan=3D"3" valign=3D"top" style=3D"width:38.5pt;border-=
top:none;border-left:none;border-bottom:solid black 1.0pt;border-right:soli=
d black 1.0pt;background:yellow;padding:.5pt 0cm .15pt 0cm;height:12.8pt">
<p class=3D"MsoNormal" style=3D"margin-left:5.4pt;line-height:105%"><span l=
ang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;=
Arial&quot;,sans-serif;color:black">M
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"52" colspan=3D"2" valign=3D"top" style=3D"width:39.0pt;border-=
top:none;border-left:none;border-bottom:solid black 1.0pt;border-right:doub=
le black 2.25pt;background:#92D050;padding:.5pt 0cm .15pt 0cm;height:12.8pt=
">
<p class=3D"MsoNormal" style=3D"margin-left:5.4pt;line-height:105%"><span l=
ang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;=
Arial&quot;,sans-serif;color:black">L
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:12.85pt">
<td width=3D"59" valign=3D"top" style=3D"width:44.25pt;border-top:none;bord=
er-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt=
;padding:.5pt 0cm .15pt 0cm;height:12.85pt">
<p class=3D"MsoNormal" style=3D"margin-left:5.95pt;line-height:105%"><b><sp=
an lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&q=
uot;Arial&quot;,sans-serif">%
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"53" colspan=3D"3" valign=3D"top" style=3D"width:39.4pt;border-=
top:none;border-left:none;border-bottom:solid black 1.0pt;border-right:soli=
d black 1.0pt;padding:.5pt 0cm .15pt 0cm;height:12.85pt">
<p class=3D"MsoNormal" style=3D"margin-left:6.35pt;line-height:105%"><span =
lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot=
;Arial&quot;,sans-serif">14%
<o:p></o:p></span></p>
</td>
<td width=3D"51" colspan=3D"3" valign=3D"top" style=3D"width:38.5pt;border-=
top:none;border-left:none;border-bottom:solid black 1.0pt;border-right:soli=
d black 1.0pt;padding:.5pt 0cm .15pt 0cm;height:12.85pt">
<p class=3D"MsoNormal" style=3D"margin-left:5.4pt;line-height:105%"><span l=
ang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;=
Arial&quot;,sans-serif">43%
<o:p></o:p></span></p>
</td>
<td width=3D"52" colspan=3D"2" valign=3D"top" style=3D"width:39.0pt;border-=
top:none;border-left:none;border-bottom:solid black 1.0pt;border-right:doub=
le black 2.25pt;padding:.5pt 0cm .15pt 0cm;height:12.85pt">
<p class=3D"MsoNormal" style=3D"margin-left:5.4pt;line-height:105%"><span l=
ang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;=
Arial&quot;,sans-serif">43%
<o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:12.9pt">
<td width=3D"59" valign=3D"top" style=3D"width:44.25pt;border-top:none;bord=
er-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt=
;padding:.5pt 0cm .15pt 0cm;height:12.9pt">
<p class=3D"MsoNormal" style=3D"margin-left:5.95pt;line-height:105%"><b><sp=
an lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&q=
uot;Arial&quot;,sans-serif">&nbsp;</span></b><span lang=3D"EN-ZA" style=3D"=
font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-serif"=
><o:p></o:p></span></p>
</td>
<td width=3D"53" colspan=3D"3" valign=3D"top" style=3D"width:39.4pt;border-=
top:none;border-left:none;border-bottom:solid black 1.0pt;border-right:soli=
d black 1.0pt;padding:.5pt 0cm .15pt 0cm;height:12.9pt">
<p class=3D"MsoNormal" style=3D"margin-left:6.35pt;line-height:105%"><span =
lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot=
;Arial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
</td>
<td width=3D"51" colspan=3D"3" valign=3D"top" style=3D"width:38.5pt;border-=
top:none;border-left:none;border-bottom:solid black 1.0pt;border-right:soli=
d black 1.0pt;padding:.5pt 0cm .15pt 0cm;height:12.9pt">
<p class=3D"MsoNormal" style=3D"margin-left:5.4pt;line-height:105%"><span l=
ang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;=
Arial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
</td>
<td width=3D"52" colspan=3D"2" valign=3D"top" style=3D"width:39.0pt;border-=
top:none;border-left:none;border-bottom:solid black 1.0pt;border-right:doub=
le black 2.25pt;padding:.5pt 0cm .15pt 0cm;height:12.9pt">
<p class=3D"MsoNormal" style=3D"margin-left:5.4pt;line-height:105%"><span l=
ang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;=
Arial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:25.25pt">
<td width=3D"215" colspan=3D"9" valign=3D"top" style=3D"width:161.15pt;bord=
er-top:none;border-left:none;border-bottom:solid black 1.0pt;border-right:d=
ouble black 2.25pt;padding:.5pt 0cm .15pt 0cm;height:25.25pt">
<p class=3D"MsoNormal" style=3D"margin-left:5.95pt;line-height:105%"><span =
lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot=
;Arial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:5.95pt;line-height:105%"><span =
lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot=
;Arial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:80.75pt">
<td width=3D"215" colspan=3D"9" valign=3D"top" style=3D"width:161.15pt;bord=
er-top:none;border-left:none;border-bottom:solid black 1.0pt;border-right:s=
olid black 1.5pt;padding:.5pt 0cm .15pt 0cm;height:80.75pt">
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:35.25pt=
;margin-bottom:0cm;margin-left:.3pt;margin-bottom:.0001pt;line-height:105%"=
>
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">&nbsp;&nbsp;&nbsp;Pentana Rating Score&nbsp;
<b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
75 - 100%</b> <o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:52.85pt">
<td width=3D"97" rowspan=3D"6" style=3D"width:72.95pt;border:solid black 1.=
0pt;border-top:none;padding:.5pt 0cm .15pt 0cm;height:52.85pt">
<p class=3D"MsoNormal" align=3D"center" style=3D"text-align:center;line-hei=
ght:105%"><b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105=
%;font-family:&quot;Arial&quot;,sans-serif">Needs
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:3.95pt;line-height:105%"><b><sp=
an lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&q=
uot;Arial&quot;,sans-serif">Improvement
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:5.3pt;line-height:105%"><b><spa=
n lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&qu=
ot;Arial&quot;,sans-serif">(60 - 74.99%)
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"232" rowspan=3D"6" valign=3D"top" style=3D"width:174.3pt;borde=
r-top:none;border-left:none;border-bottom:solid black 1.0pt;border-right:so=
lid black 1.0pt;padding:.5pt 0cm .15pt 0cm;height:52.85pt">
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:4.7pt;m=
argin-bottom:0cm;margin-left:.6pt;margin-bottom:.0001pt;text-align:justify;=
line-height:97%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:97%;font-family:=
&quot;Arial&quot;,sans-serif">A few specific or numerous control weaknesses=
 were noted. Generally, however, controls evaluated are adequate, appropria=
te, and effective to provide reasonable assurance
 that risks are being managed and objectives should be met. <o:p></o:p></sp=
an></p>
<p class=3D"MsoNormal" style=3D"margin-left:.6pt;text-align:justify;line-he=
ight:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:4.0pt;m=
argin-bottom:0cm;margin-left:.6pt;margin-bottom:.0001pt;text-align:justify;=
line-height:97%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:97%;font-family:=
&quot;Arial&quot;,sans-serif">Exceptions noted should be resolved by manage=
ment without the intervention of the Board within a time frame of (1-2) mon=
ths.
<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:.25pt;m=
argin-bottom:0cm;margin-left:.6pt;margin-bottom:.0001pt;text-align:justify;=
line-height:97%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:97%;font-family:=
&quot;Arial&quot;,sans-serif">Note: Where there are severe regulatory issue=
s, fraudulent issues and repeat findings, the final overall audit report ra=
ting will be stepped down to Needs Improvement
 or<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:.6pt;text-align:justify;line-he=
ight:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">Unsatisfactory report.
<o:p></o:p></span></p>
</td>
<td width=3D"142" rowspan=3D"6" valign=3D"bottom" style=3D"width:106.3pt;bo=
rder-top:none;border-left:none;border-bottom:solid black 1.0pt;border-right=
:solid black 1.5pt;padding:.5pt 0cm .15pt 0cm;height:52.85pt">
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:7.35pt;=
margin-bottom:7.5pt;margin-left:5.55pt;text-align:justify;line-height:100%"=
>
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:100%;font-family=
:&quot;Arial&quot;,sans-serif">Only two major control weakness noted i.e., =
not more than two high risk exception noted. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:-.45pt;line-height:105%"><span =
lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot=
;Arial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:109.95p=
t;margin-bottom:0cm;margin-left:-.45pt;margin-bottom:.0001pt;line-height:97=
%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:97%;font-family:=
&quot;Arial&quot;,sans-serif">&nbsp;&nbsp;&nbsp;<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:-.45pt;line-height:105%"><span =
lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot=
;Arial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
</td>
<td width=3D"215" colspan=3D"9" valign=3D"top" style=3D"width:161.15pt;bord=
er:none;border-right:solid black 1.5pt;padding:.5pt 0cm .15pt 0cm;height:52=
.85pt">
<p class=3D"MsoNormal" style=3D"margin-bottom:8.0pt;line-height:105%"><span=
 lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quo=
t;Arial&quot;,sans-serif"><o:p>&nbsp;</o:p></span></p>
</td>
</tr>
<tr style=3D"height:12.65pt">
<td width=3D"59" valign=3D"top" style=3D"width:44.25pt;border:solid black 1=
.0pt;border-left:none;padding:.5pt 0cm .15pt 0cm;height:12.65pt">
<p class=3D"MsoNormal" style=3D"margin-left:5.95pt;line-height:105%"><b><sp=
an lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&q=
uot;Arial&quot;,sans-serif">Rating
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"42" colspan=3D"2" valign=3D"top" style=3D"width:31.2pt;border-=
top:none;border-left:none;border-bottom:solid black 1.0pt;border-right:soli=
d black 1.0pt;background:red;padding:.5pt 0cm .15pt 0cm;height:12.65pt">
<p class=3D"MsoNormal" style=3D"margin-left:4.4pt;line-height:105%"><span l=
ang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;=
Arial&quot;,sans-serif;color:black">H
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"43" colspan=3D"2" valign=3D"top" style=3D"width:32.15pt;border=
-top:none;border-left:none;border-bottom:solid black 1.0pt;border-right:sol=
id black 1.0pt;background:yellow;padding:.5pt 0cm .15pt 0cm;height:12.65pt"=
>
<p class=3D"MsoNormal" style=3D"margin-left:5.4pt;line-height:105%"><span l=
ang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;=
Arial&quot;,sans-serif;color:black">M
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"43" colspan=3D"3" valign=3D"top" style=3D"width:32.05pt;border=
-top:none;border-left:none;border-bottom:solid black 1.0pt;border-right:sol=
id black 1.0pt;background:#92D050;padding:.5pt 0cm .15pt 0cm;height:12.65pt=
">
<p class=3D"MsoNormal" style=3D"margin-left:5.4pt;line-height:105%"><span l=
ang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;=
Arial&quot;,sans-serif;color:black">L
</span><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font=
-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"29" rowspan=3D"5" valign=3D"top" style=3D"width:21.4pt;border-=
top:none;border-left:none;border-bottom:solid black 1.0pt;border-right:soli=
d black 1.5pt;padding:.5pt 0cm .15pt 0cm;height:12.65pt">
<p class=3D"MsoNormal" style=3D"margin-bottom:8.0pt;line-height:105%"><span=
 lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quo=
t;Arial&quot;,sans-serif"><o:p>&nbsp;</o:p></span></p>
</td>
</tr>
<tr style=3D"height:12.95pt">
<td width=3D"59" valign=3D"top" style=3D"width:44.25pt;border-top:none;bord=
er-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt=
;padding:.5pt 0cm .15pt 0cm;height:12.95pt">
<p class=3D"MsoNormal" style=3D"margin-left:5.95pt;line-height:105%"><b><sp=
an lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&q=
uot;Arial&quot;,sans-serif">%
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"42" colspan=3D"2" valign=3D"top" style=3D"width:31.2pt;border-=
top:none;border-left:none;border-bottom:solid black 1.0pt;border-right:soli=
d black 1.0pt;padding:.5pt 0cm .15pt 0cm;height:12.95pt">
<p class=3D"MsoNormal" style=3D"margin-left:4.4pt;line-height:105%"><span l=
ang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;=
Arial&quot;,sans-serif">20%
<o:p></o:p></span></p>
</td>
<td width=3D"43" colspan=3D"2" valign=3D"top" style=3D"width:32.15pt;border=
-top:none;border-left:none;border-bottom:solid black 1.0pt;border-right:sol=
id black 1.0pt;padding:.5pt 0cm .15pt 0cm;height:12.95pt">
<p class=3D"MsoNormal" style=3D"margin-left:5.4pt;line-height:105%"><span l=
ang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;=
Arial&quot;,sans-serif">30%
<o:p></o:p></span></p>
</td>
<td width=3D"43" colspan=3D"3" valign=3D"top" style=3D"width:32.05pt;border=
-top:none;border-left:none;border-bottom:solid black 1.0pt;border-right:sol=
id black 1.0pt;padding:.5pt 0cm .15pt 0cm;height:12.95pt">
<p class=3D"MsoNormal" style=3D"margin-left:5.4pt;line-height:105%"><span l=
ang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;=
Arial&quot;,sans-serif">50%
<o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:12.8pt">
<td width=3D"59" valign=3D"top" style=3D"width:44.25pt;border-top:none;bord=
er-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt=
;padding:.5pt 0cm .15pt 0cm;height:12.8pt">
<p class=3D"MsoNormal" style=3D"margin-left:5.95pt;line-height:105%"><b><sp=
an lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&q=
uot;Arial&quot;,sans-serif">&nbsp;</span></b><span lang=3D"EN-ZA" style=3D"=
font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-serif"=
><o:p></o:p></span></p>
</td>
<td width=3D"42" colspan=3D"2" valign=3D"top" style=3D"width:31.2pt;border-=
top:none;border-left:none;border-bottom:solid black 1.0pt;border-right:soli=
d black 1.0pt;padding:.5pt 0cm .15pt 0cm;height:12.8pt">
<p class=3D"MsoNormal" style=3D"margin-left:4.4pt;line-height:105%"><span l=
ang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;=
Arial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
</td>
<td width=3D"43" colspan=3D"2" valign=3D"top" style=3D"width:32.15pt;border=
-top:none;border-left:none;border-bottom:solid black 1.0pt;border-right:sol=
id black 1.0pt;padding:.5pt 0cm .15pt 0cm;height:12.8pt">
<p class=3D"MsoNormal" style=3D"margin-left:5.4pt;line-height:105%"><span l=
ang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;=
Arial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
</td>
<td width=3D"43" colspan=3D"3" valign=3D"top" style=3D"width:32.05pt;border=
-top:none;border-left:none;border-bottom:solid black 1.0pt;border-right:sol=
id black 1.0pt;padding:.5pt 0cm .15pt 0cm;height:12.8pt">
<p class=3D"MsoNormal" style=3D"margin-left:5.4pt;line-height:105%"><span l=
ang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;=
Arial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:12.9pt">
<td width=3D"186" colspan=3D"8" valign=3D"top" style=3D"width:139.75pt;bord=
er-top:none;border-left:none;border-bottom:solid black 1.0pt;border-right:s=
olid black 1.0pt;padding:.5pt 0cm .15pt 0cm;height:12.9pt">
<p class=3D"MsoNormal" style=3D"margin-left:5.95pt;line-height:105%"><span =
lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot=
;Arial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:119.35pt">
<td width=3D"186" colspan=3D"8" valign=3D"top" style=3D"width:139.75pt;bord=
er:none;border-bottom:solid black 1.0pt;padding:.5pt 0cm .15pt 0cm;height:1=
19.35pt">
<p class=3D"MsoNormal" style=3D"margin-left:.3pt;line-height:105%"><span la=
ng=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;A=
rial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:.3pt;line-height:105%"><span la=
ng=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;A=
rial&quot;,sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;Pentana Rating Score&nbsp;
<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:.3pt;line-height:105%"><b><span=
 lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quo=
t;Arial&quot;,sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&=
nbsp;&nbsp;60 - 74.99%</span></b><span lang=3D"EN-ZA" style=3D"font-size:11=
.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-serif">
<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:.3pt;line-height:105%"><span la=
ng=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;A=
rial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:.3pt;line-height:105%"><span la=
ng=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;A=
rial&quot;,sans-serif">&nbsp;&nbsp;<o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:16.15pt">
<td width=3D"97" style=3D"width:72.95pt;border:solid black 1.0pt;border-top=
:none;padding:.5pt 0cm .15pt 0cm;height:16.15pt">
<p class=3D"MsoNormal" style=3D"margin-left:.35pt;line-height:105%"><b><spa=
n lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&qu=
ot;Arial&quot;,sans-serif">Unsatisfactory</span></b><span lang=3D"EN-ZA" st=
yle=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans=
-serif"><o:p></o:p></span></p>
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-right:.1pt;text-ali=
gn:center;line-height:105%">
<b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-fam=
ily:&quot;Arial&quot;,sans-serif">(Below
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
<p class=3D"MsoNormal" align=3D"center" style=3D"margin-left:.05pt;text-ali=
gn:center;line-height:105%">
<b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-fam=
ily:&quot;Arial&quot;,sans-serif">60.00%)
</span></b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;=
font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p>
</td>
<td width=3D"232" style=3D"width:174.3pt;border-top:none;border-left:none;b=
order-bottom:solid black 1.0pt;border-right:solid black 1.0pt;padding:.5pt =
0cm .15pt 0cm;height:16.15pt">
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:4.0pt;m=
argin-bottom:0cm;margin-left:.6pt;margin-bottom:.0001pt;text-align:justify;=
line-height:97%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:97%;font-family:=
&quot;Arial&quot;,sans-serif">An &#8220;unsatisfactory&#8221; rating reflec=
ts significant weaknesses in the systems of internal controls or processes =
for monitoring
<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:-.35pt;text-align:justify;line-=
height:105%">
<b><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-fam=
ily:&quot;Arial&quot;,sans-serif">&nbsp;</span></b><span lang=3D"EN-ZA" sty=
le=3D"font-size:11.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-=
serif"><o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:4.1pt;m=
argin-bottom:0cm;margin-left:.6pt;margin-bottom:.0001pt;text-align:justify;=
line-height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">performance and indicates that immediate cor=
rective action must be taken to prevent serious exposure to loss of income =
or assets or to financial misstatement, penalties,
 fines, and brand diminution. <o:p></o:p></span></p>
</td>
<td width=3D"142" valign=3D"top" style=3D"width:106.3pt;border-top:none;bor=
der-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0p=
t;padding:.5pt 0cm .15pt 0cm;height:16.15pt">
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:2.85pt;=
margin-bottom:0cm;margin-left:5.55pt;margin-bottom:.0001pt;text-align:justi=
fy;line-height:97%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:97%;font-family:=
&quot;Arial&quot;,sans-serif">Several critical control observations were no=
ted which require immediate management action.&nbsp;
<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:5.55pt;text-align:justify;line-=
height:105%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family=
:&quot;Arial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"mso-margin-top-alt:0cm;margin-right:2.85pt;=
margin-bottom:0cm;margin-left:5.55pt;margin-bottom:.0001pt;text-align:justi=
fy;line-height:97%">
<span lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:97%;font-family:=
&quot;Arial&quot;,sans-serif">Untimely interference exposes the bank to una=
cceptable level of risk.
<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:5.55pt;line-height:105%"><span =
lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot=
;Arial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
</td>
<td width=3D"215" colspan=3D"9" style=3D"width:161.15pt;border-top:none;bor=
der-left:none;border-bottom:solid black 1.0pt;border-right:solid black 1.0p=
t;padding:.5pt 0cm .15pt 0cm;height:16.15pt">
<p class=3D"MsoNormal" style=3D"margin-left:.3pt;line-height:110%"><span la=
ng=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:110%;font-family:&quot;A=
rial&quot;,sans-serif">Any performance below &#8216;&#8217;<b>Needs Improve=
ment&#8217;&#8217;</b> rating.
<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:.3pt;line-height:105%"><span la=
ng=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;A=
rial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:.3pt;line-height:105%"><span la=
ng=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;A=
rial&quot;,sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pentana Rating S=
core&nbsp;
<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:.3pt;line-height:105%"><b><span=
 lang=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quo=
t;Arial&quot;,sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&=
nbsp;&nbsp;Below 60.00%</span></b><span lang=3D"EN-ZA" style=3D"font-size:1=
1.0pt;line-height:105%;font-family:&quot;Arial&quot;,sans-serif">
<o:p></o:p></span></p>
<p class=3D"MsoNormal" style=3D"margin-left:.3pt;line-height:105%"><span la=
ng=3D"EN-ZA" style=3D"font-size:11.0pt;line-height:105%;font-family:&quot;A=
rial&quot;,sans-serif">&nbsp;<o:p></o:p></span></p>
</td>
</tr>
<tr>
<td width=3D"103" style=3D"width:77.25pt;padding:0cm 0cm 0cm 0cm"></td>
<td width=3D"222" style=3D"width:166.5pt;padding:0cm 0cm 0cm 0cm"></td>
<td width=3D"148" style=3D"width:111.0pt;padding:0cm 0cm 0cm 0cm"></td>
<td width=3D"59" style=3D"width:44.25pt;padding:0cm 0cm 0cm 0cm"></td>
<td width=3D"20" style=3D"width:15.0pt;padding:0cm 0cm 0cm 0cm"></td>
<td width=3D"21" style=3D"width:15.75pt;padding:0cm 0cm 0cm 0cm"></td>
<td width=3D"11" style=3D"width:8.25pt;padding:0cm 0cm 0cm 0cm"></td>
<td width=3D"31" style=3D"width:23.25pt;padding:0cm 0cm 0cm 0cm"></td>
<td width=3D"11" style=3D"width:8.25pt;padding:0cm 0cm 0cm 0cm"></td>
<td width=3D"8" style=3D"width:6.0pt;padding:0cm 0cm 0cm 0cm"></td>
<td width=3D"23" style=3D"width:17.25pt;padding:0cm 0cm 0cm 0cm"></td>
<td width=3D"28" style=3D"width:21.0pt;padding:0cm 0cm 0cm 0cm"></td>
</tr>
</tbody>
</table>
<p class=3D"MsoNormal" style=3D"text-align:justify;page-break-before:always=
"><span style=3D"font-family:&quot;Arial&quot;,sans-serif"><o:p>&nbsp;</o:p=
></span></p>
<p class=3D"MsoNormal"><span lang=3D"EN-ZA" style=3D"font-family:&quot;Aria=
l&quot;,sans-serif;color:black">Thank you.<o:p></o:p></span></p>
<table class=3D"MsoNormalTable" border=3D"0" cellspacing=3D"0" cellpadding=
=3D"0" style=3D"border-collapse:collapse">
<tbody>
<tr>
<td style=3D"padding:0cm 0cm 0cm 0cm">
<table class=3D"MsoNormalTable" border=3D"0" cellspacing=3D"0" cellpadding=
=3D"0" width=3D"550" style=3D"width:412.5pt;border-collapse:collapse">
<tbody>
<tr>
<td width=3D"310" style=3D"width:232.5pt;border:none;border-bottom:solid #0=
2AEF0 1.0pt;padding:0cm 0cm 0cm 0cm">
<table class=3D"MsoNormalTable" border=3D"0" cellspacing=3D"0" cellpadding=
=3D"0" width=3D"100%" style=3D"width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td style=3D"padding:0cm 0cm 0cm 0cm">
<p class=3D"MsoNormal"><b><span lang=3D"EN-ZA" style=3D"font-size:16.0pt;fo=
nt-family:Gotham-Rounded-Light;color:#333333;mso-fareast-language:EN-GB">Ch=
ima Nkwocha</span></b><span lang=3D"EN-ZA" style=3D"font-family:&quot;Calib=
ri&quot;,sans-serif;color:black;mso-fareast-language:EN-GB"><o:p></o:p></sp=
an></p>
</td>
</tr>
<tr>
<td style=3D"padding:10.5pt 0cm 0cm 0cm">
<p class=3D"MsoNormal"><span lang=3D"EN-ZA" style=3D"font-size:10.5pt;font-=
family:Gotham-Rounded-Light;color:black;mso-fareast-language:EN-GB">Team Me=
mber Branch and Services Audit, Internal Audit</span><span lang=3D"EN-ZA" s=
tyle=3D"font-family:Gotham-Rounded-Light;color:black;mso-fareast-language:E=
N-GB"><br>
</span><b><span lang=3D"EN-ZA" style=3D"font-size:10.5pt;font-family:Gotham=
-Rounded-Light;color:#333333;mso-fareast-language:EN-GB">Email:
</span></b><span lang=3D"EN-ZA"><a href=3D"mailto:chinkwocha@unionbankng.co=
m" title=3D"Click to send email to Chima Nkwocha"><span style=3D"font-size:=
10.5pt;font-family:Gotham-Rounded-Light;color:#333333;mso-fareast-language:=
EN-GB;text-decoration:none">chinkwocha@unionbankng.com</span></a></span><sp=
an lang=3D"EN-ZA" style=3D"color:black;mso-fareast-language:EN-GB"><o:p></o=
:p></span></p>
</td>
</tr>
<tr style=3D"height:23.25pt">
<td style=3D"padding:10.5pt 0cm 0cm 0cm;height:23.25pt">
<p class=3D"MsoNormal"><b><span lang=3D"EN-ZA" style=3D"font-size:10.5pt;fo=
nt-family:Gotham-Rounded-Light;color:#333333;mso-fareast-language:EN-GB">Mo=
bile:
</span></b><span lang=3D"EN-ZA" style=3D"font-size:10.5pt;font-family:Gotha=
m-Rounded-Light;color:#333333;mso-fareast-language:EN-GB">+2347015511426</s=
pan><span lang=3D"EN-ZA" style=3D"color:black;mso-fareast-language:EN-GB"><=
o:p></o:p></span></p>
</td>
</tr>
<tr style=3D"height:24.0pt">
<td style=3D"padding:10.5pt 0cm 0cm 0cm;height:24.0pt"></td>
</tr>
</tbody>
</table>
</td>
<td valign=3D"top" style=3D"padding:0cm 0cm 0cm 0cm">
<p class=3D"MsoNormal" align=3D"right" style=3D"text-align:right"><span lan=
g=3D"EN-ZA" style=3D"color:black;mso-fareast-language:EN-GB"><img border=3D=
"0" width=3D"150" height=3D"150" style=3D"width:1.5625in;height:1.5625in" i=
d=3D"Picture_x0020_1" src=3D"cid:image010.png@01DA4D1C.3A9901E0"></span><sp=
an lang=3D"EN-ZA" style=3D"font-size:11.0pt;font-family:&quot;Calibri&quot;=
,sans-serif;color:black;mso-fareast-language:EN-GB"><o:p></o:p></span></p>
</td>
</tr>
<tr>
<td style=3D"padding:9.75pt 0cm 0cm 0cm">
<p class=3D"MsoNormal"><span lang=3D"EN-ZA"><a href=3D"http://www.unionbank=
ng.com/"><span style=3D"font-size:10.5pt;font-family:Gotham-Rounded-Light;c=
olor:#02AEF0;mso-fareast-language:EN-GB;text-decoration:none">www.unionbank=
ng.com</span></a></span><span lang=3D"EN-ZA" style=3D"color:black;mso-farea=
st-language:EN-GB"><o:p></o:p></span></p>
</td>
<td style=3D"padding:9.75pt 0cm 0cm 0cm">
<p class=3D"MsoNormal" align=3D"right" style=3D"text-align:right"><a href=
=3D"http://" target=3D"''"><span lang=3D"EN-ZA" style=3D"color:blue;mso-far=
east-language:EN-GB;text-decoration:none"><img border=3D"0" width=3D"15" he=
ight=3D"15" style=3D"width:.1562in;height:.1562in" id=3D"Picture_x0020_2" s=
rc=3D"cid:image011.png@01DA4D1C.3A9901E0" alt=3D"Facebook"></span></a><span=
 lang=3D"EN-ZA" style=3D"color:black;mso-fareast-language:EN-GB">&nbsp;&nbs=
p;&nbsp;&nbsp;
</span><a href=3D"http://" target=3D"''"><span lang=3D"EN-ZA" style=3D"colo=
r:blue;mso-fareast-language:EN-GB;text-decoration:none"><img border=3D"0" w=
idth=3D"15" height=3D"15" style=3D"width:.1562in;height:.1562in" id=3D"Pict=
ure_x0020_3" src=3D"cid:image012.png@01DA4D1C.3A9901E0" alt=3D"Twitter"></s=
pan></a><span lang=3D"EN-ZA" style=3D"color:black;mso-fareast-language:EN-G=
B">&nbsp;&nbsp;&nbsp;&nbsp;</span><a href=3D"http://" target=3D"''"><span l=
ang=3D"EN-ZA" style=3D"color:blue;mso-fareast-language:EN-GB;text-decoratio=
n:none"><img border=3D"0" width=3D"15" height=3D"15" style=3D"width:.1562in=
;height:.1562in" id=3D"Picture_x0020_4" src=3D"cid:image013.png@01DA4D1C.3A=
9901E0" alt=3D"LinkedIn"></span></a><span lang=3D"EN-ZA" style=3D"color:bla=
ck;mso-fareast-language:EN-GB">&nbsp;&nbsp;&nbsp;&nbsp;</span><a href=3D"ht=
tps://itunes.apple.com/ng/app/unionmobile-1-2/id1253595309?mt=3D8" target=
=3D"''"><span lang=3D"EN-ZA" style=3D"color:blue;mso-fareast-language:EN-GB=
;text-decoration:none"><img border=3D"0" width=3D"15" height=3D"15" style=
=3D"width:.1562in;height:.1562in" id=3D"Picture_x0020_5" src=3D"cid:image01=
4.png@01DA4D1C.3A9901E0"></span></a><span lang=3D"EN-ZA" style=3D"color:bla=
ck;mso-fareast-language:EN-GB">&nbsp;&nbsp;&nbsp;&nbsp;</span><a href=3D"ht=
tps://play.google.com/store/apps/details?id=3Dcom.ceva.ubmobile.stallion&am=
p;hl=3Den" target=3D"''"><span lang=3D"EN-ZA" style=3D"color:blue;mso-farea=
st-language:EN-GB;text-decoration:none"><img border=3D"0" width=3D"15" heig=
ht=3D"15" style=3D"width:.1562in;height:.1562in" id=3D"Picture_x0020_6" src=
=3D"cid:image015.png@01DA4D1C.3A9901E0"></span></a><span lang=3D"EN-ZA" sty=
le=3D"color:black;mso-fareast-language:EN-GB"><o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<p class=3D"MsoNormal"><span lang=3D"EN-ZA" style=3D"font-size:11.0pt;font-=
family:&quot;Arial&quot;,sans-serif;color:black"><o:p>&nbsp;</o:p></span></=
p>
<p class=3D"MsoNormal"><span lang=3D"EN-ZA" style=3D"font-family:&quot;Aria=
l&quot;,sans-serif;color:black"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoNormal"><span lang=3D"EN-ZA" style=3D"font-family:&quot;Aria=
l&quot;,sans-serif;color:black;mso-fareast-language:EN-GB"><o:p>&nbsp;</o:p=
></span></p>
<p class=3D"MsoNormal"><span lang=3D"EN-ZA" style=3D"font-family:&quot;Aria=
l&quot;,sans-serif;color:black;mso-fareast-language:EN-GB"><img border=3D"0=
" width=3D"550" height=3D"150" style=3D"width:5.7291in;height:1.5625in" id=
=3D"Picture_x0020_7" src=3D"cid:image008.jpg@01DA4D1C.3A9901E0"></span><spa=
n style=3D"font-size:11.0pt;font-family:&quot;Arial&quot;,sans-serif;color:=
black"><o:p></o:p></span></p>
</div>
<br>
<div style=3D"background-color:white; border:1px dotted #003333; padding:.8=
em; "><span style=3D"font-size:12pt;  font-family: 'Cambria','times new rom=
an','garamond',serif; color:#ff0000;">Disclaimer</span><br>
<p style=3D"font-size:10pt; line-height:10pt; font-family: 'Cambria','times=
 roman',serif;">
This email including the attached files may contain confidential and privil=
eged information for the sole use of the designated recipient and the views=
 expressed therein do not represent the views of Union Bank except where sp=
ecifically stated. Any review, use
 , distribution or disclosure by others is strictly prohibited. If you are =
not the designated recipient(or authorized to receive information for the d=
esignated recipient), please contact the sender by reply email and delete a=
ll copies of this message. Union
 Bank will not accept any liability for loss or damage arising directly or =
indirectly from the transmission of this message.
</p>
<span style=3D"padding-top:10px; font-weight:bold; font-color:#009999; font=
-size:10pt; font-family: Calibri; "><a href=3D"http://www.unionbankng.com/"=
>Union Bank of Nigeria PLC
</a></span><br>
<br>
</div>
</body>
</html>

--_000_AM6PR0202MB34795D66E0FC83EDD1C6D7DEDC752AM6PR0202MB3479_--

--_011_AM6PR0202MB34795D66E0FC83EDD1C6D7DEDC752AM6PR0202MB3479_
Content-Type: image/jpeg; name="image008.jpg"
Content-Description: image008.jpg
Content-Disposition: inline; filename="image008.jpg"; size=90947;
	creation-date="Mon, 22 Jan 2024 09:17:41 GMT";
	modification-date="Mon, 22 Jan 2024 09:17:42 GMT"
Content-ID: <image008.jpg@01DA4D1C.3A9901E0>
Content-Transfer-Encoding: base64
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--_011_AM6PR0202MB34795D66E0FC83EDD1C6D7DEDC752AM6PR0202MB3479_
Content-Type: image/png; name="image009.png"
Content-Description: image009.png
Content-Disposition: inline; filename="image009.png"; size=509;
	creation-date="Mon, 22 Jan 2024 09:17:42 GMT";
	modification-date="Mon, 22 Jan 2024 09:17:43 GMT"
Content-ID: <image009.png@01DA4D1C.3A9901E0>
Content-Transfer-Encoding: base64
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=

--_011_AM6PR0202MB34795D66E0FC83EDD1C6D7DEDC752AM6PR0202MB3479_
Content-Type: image/png; name="image010.png"
Content-Description: image010.png
Content-Disposition: inline; filename="image010.png"; size=4315;
	creation-date="Mon, 22 Jan 2024 09:17:43 GMT";
	modification-date="Mon, 22 Jan 2024 09:17:43 GMT"
Content-ID: <image010.png@01DA4D1C.3A9901E0>
Content-Transfer-Encoding: base64
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--_011_AM6PR0202MB34795D66E0FC83EDD1C6D7DEDC752AM6PR0202MB3479_
Content-Type: image/png; name="image011.png"
Content-Description: image011.png
Content-Disposition: inline; filename="image011.png"; size=516;
	creation-date="Mon, 22 Jan 2024 09:17:43 GMT";
	modification-date="Mon, 22 Jan 2024 09:17:44 GMT"
Content-ID: <image011.png@01DA4D1C.3A9901E0>
Content-Transfer-Encoding: base64
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--_011_AM6PR0202MB34795D66E0FC83EDD1C6D7DEDC752AM6PR0202MB3479_
Content-Type: image/png; name="image012.png"
Content-Description: image012.png
Content-Disposition: inline; filename="image012.png"; size=700;
	creation-date="Mon, 22 Jan 2024 09:17:44 GMT";
	modification-date="Mon, 22 Jan 2024 09:17:44 GMT"
Content-ID: <image012.png@01DA4D1C.3A9901E0>
Content-Transfer-Encoding: base64
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--_011_AM6PR0202MB34795D66E0FC83EDD1C6D7DEDC752AM6PR0202MB3479_
Content-Type: image/png; name="image013.png"
Content-Description: image013.png
Content-Disposition: inline; filename="image013.png"; size=552;
	creation-date="Mon, 22 Jan 2024 09:17:45 GMT";
	modification-date="Mon, 22 Jan 2024 09:17:45 GMT"
Content-ID: <image013.png@01DA4D1C.3A9901E0>
Content-Transfer-Encoding: base64
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--_011_AM6PR0202MB34795D66E0FC83EDD1C6D7DEDC752AM6PR0202MB3479_
Content-Type: image/png; name="image014.png"
Content-Description: image014.png
Content-Disposition: inline; filename="image014.png"; size=805;
	creation-date="Mon, 22 Jan 2024 09:17:45 GMT";
	modification-date="Mon, 22 Jan 2024 09:17:45 GMT"
Content-ID: <image014.png@01DA4D1C.3A9901E0>
Content-Transfer-Encoding: base64
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--_011_AM6PR0202MB34795D66E0FC83EDD1C6D7DEDC752AM6PR0202MB3479_
Content-Type: image/png; name="image015.png"
Content-Description: image015.png
Content-Disposition: inline; filename="image015.png"; size=658;
	creation-date="Mon, 22 Jan 2024 09:17:46 GMT";
	modification-date="Mon, 22 Jan 2024 09:17:46 GMT"
Content-ID: <image015.png@01DA4D1C.3A9901E0>
Content-Transfer-Encoding: base64

iVBORw0KGgoAAAANSUhEUgAAAA8AAAAPCAYAAAA71pVKAAAAAXNSR0IArs4c6QAAAAlwSFlzAAAO
xAAADsQBlSsOGwAAABl0RVh0U29mdHdhcmUATWljcm9zb2Z0IE9mZmljZX/tNXEAAAISSURBVDhP
Y2lsbGTYwxgWIKjTxrcxcPGSpqbGfwxEAhaQup8/FVt/vG/UCt52vYLdvrNT42D5QmL0gzUzMv/8
9OmJIsPPj3M0xfWTFlyxmp3J8EugRedM6BZ8hoA1gwATyz+Gb2/0GZ6dnv1fwjDJnInz4+bL5qu2
/P3P3GhwKvgMNkPgmiEGfGD4+cmI8cX5uf/EdBL/svJ88fn/ndPzqsXKObt//WgtOBf/GNkQFM1A
D0ANMGZ6dXUOo5h20k8mli/Mn1l40vOYeUMrPPf3ff34uX/yMb9vIEPQNINDAGLARzPG11fnsLLp
Zf82YPj2t5RXWIiNn7mFhYknrsJ5Tz3bs8OrsGiGGMAMNODlFwsmixOFrI2OXYzcQJU/X/9iYBdl
U2PjZ1j+g8H6KFbNjAz/GT6wCjAYfjjH0HJ0DhPjPSaGf9kMDOwSbAx/P/55+vfnvw6Oz7zPMTTD
NOp9OM/QczaTQRjoAtbbfAzfF/74zJnNNPH3uz/9Xcfc3mH4GaZR98MFhn6gRqn/nxk+sPD8/8X2
d+6vxb/aeiW872MNbUagKMipuh8uMsy5mM3A9+8jwwdm7o2//zM0T7f3P8tgjxnTkBQG1sjEYPH2
CsOkS9kMXD9eHnvLJtA41d5vF8EU9o2Znd/x+0OGyrOZN3i/Xmtp8ihYSnTaVv52szPhVg+71J4j
c5saG/8SoxGkBgBAmNHVV4SPegAAAABJRU5ErkJggg==

--_011_AM6PR0202MB34795D66E0FC83EDD1C6D7DEDC752AM6PR0202MB3479_--