Fees and Transactions Disclosure

This document explains, in plain language, how a WealthSpring goal or plan is structured, which products it invests in, what fees may apply, how deposits and withdrawals are processed, and what happens if you exit early, request an emergency withdrawal, transfer matured capital internally, or close your account.

It exists so you can make an informed decision before activating a plan. By ticking the acknowledgement at the end of onboarding, or when acknowledging an updated version of this document, you confirm that you have read and understood its contents.

Each WealthSpring goal or plan is anchored to its own Contractual Tier. The tier defines that goal's intended time horizon, how its strategy is given time to mature, and which allocation, fee and withdrawal rules apply to that goal.

You may hold several goals or plans at the same time, each with a different Contractual Tier, a different activation date and a different maturity date. Contractual time does not transfer between goals.

• Each tier may carry different allocation weights, fee levels and withdrawal rules. The tier applying to a goal is shown on that goal and in your Wealth Journey.
• A goal's contractual clock starts on activation — under the current workflow, the first approved goal-linked funding, or a permitted matured internal transfer that starts a new destination contract.

Fast-Track Benefit never determines a goal's maturity date, early-termination tier or early-exit consequences, and is never a promise of returns.

Fast-Track Benefit is a relationship-wide reward status calculated across your client relationship. It is separate from the Contractual Tier of any goal.

Qualifying Capital means approved external investor contributions less processed principal withdrawals, reversals and refunds.

• Investment returns and portfolio gains do not count towards Qualifying Capital.
• Promotional credits and referral rewards do not count towards Qualifying Capital.
• Internal goal transfers between your own goals do not count again towards Qualifying Capital and are not treated as withdrawals.
• Processed principal withdrawals may reduce your current Fast-Track Benefit qualification. Your highest historical achievement may be retained separately for recognition.

WealthSpring accounts invest across three product families. The actual mix depends on your recommended plan, your selected goal, your time horizon, your risk profile and your chosen currency.

• Money Market — lower volatility, higher liquidity, used to stabilise the plan and hold near-term capital.
• Property — income-generating and inflation-sensitive exposure with a medium-term horizon.
• Equities — growth-oriented exposure with higher expected return and higher short-term volatility.
• Allocations shown at activation are indicative. WealthSpring may rebalance within the recommended risk band over time.

Your account is structured around the goal you select during onboarding (for example Emergency Fund, Education, Home Ownership, Retirement or Legacy Wealth), your initial investment, your monthly contribution, your time horizon and your risk profile.

These inputs drive the recommended tier, portfolio mix and target amount for your goal. You can add further goals from the Wealth Goals area of the app at any time.

The fees below reflect WealthSpring's standard fee schedule. Fees may differ where a client-specific fee arrangement or platform-approved fee override applies. The live values shown inside your account at the time of a transaction remain the authoritative values for that transaction.

Percentages are annualised where applicable. Amounts are in your account currency unless indicated otherwise.

• Product / fund-related fees — underlying money market, property and equity products may carry their own fund costs, which are reflected in unit prices and not billed separately.
• Standard tax documents and monthly, quarterly and annual statements are included at no additional charge. Ad-hoc or historical re-issues may attract the premium document fee.

Emergency withdrawals are partial withdrawals requested before the Wealth Access term has matured. They are intended for urgent financial needs and do not close the investment account. Emergency withdrawals are subject to review and approval. At least 60% of available capital must remain invested after an emergency withdrawal.

• The emergency processing fee is deducted from the requested emergency withdrawal amount before payout.
• Emergency withdrawals do not attract the early termination percentage fee unless the client is closing or surrendering the investment before maturity.

Early termination means closing or surrendering your WealthSpring investment before the Wealth Access term has matured. Early termination is different from an emergency withdrawal because it may result in full account closure or plan surrender.

• Early termination fees are calculated on the current available account value or the amount being surrendered, depending on the transaction type and admin approval process.
• Clients do not receive the full projected maturity value when they terminate before maturity.
• Which tier applies — the Contractual Tier attached to the specific goal or plan being terminated governs that goal's contractual maturity and early-termination rules. WealthSpring does not apply an account-wide tier, a profile tier, or a Fast-Track Benefit level when calculating early termination fees for a goal.
• A different tier may only apply to an existing goal where an express written contract amendment, addendum or platform-approved override is agreed and recorded. Any approved adjustment is recorded for audit and complaints-handling purposes.
• Fast-Track Benefit status is never used as the early-termination tier and never changes the early-termination consequences of an existing goal.

Deposits fund your account and are allocated to the products defined by your recommended portfolio and goal. Contributions may be one-off or recurring monthly amounts.

• Minimum deposit — the minimum amount configured for the goal's tier and product. This is shown in the funding screen before you confirm.
• Supported payment methods — card and EFT via our regulated payment providers (for example PayFast) and any additional rails enabled for your currency.
• Processing timelines — card deposits typically reflect within one business day. EFT deposits reflect once cleared funds are received (usually 1–3 business days).
• Failed deposits — funds are not allocated and no allocation fee is charged. Please retry once your payment method is available.
• Reversed deposits — where a deposit is reversed by the payment provider or bank, the corresponding allocation is reversed and any linked fees adjusted.
• Duplicate deposits — duplicate transactions detected by our systems or reported by you are refunded to the originating account, net of unavoidable third-party charges.
• Allocation — cleared contributions are allocated to the portfolio and goal you selected. Where multiple goals exist, allocation follows your stated split.
• Fast-Track qualification — one-off, monthly and combined external contributions can count towards Fast-Track Benefit qualification once they are approved and cleared. Pending, failed and rejected deposits do not count.
• Investment returns, promotional credits and referral rewards never count towards Fast-Track qualification, and internal goal transfers are not counted again as contributions.

WealthSpring supports three withdrawal types. The type of withdrawal determines the fee logic and the impact on the goal concerned.

• Standard withdrawals are normally available once the specific goal has completed its contractual term and the client meets the applicable verification and withdrawal requirements.
• Emergency withdrawals may be requested before maturity, but at least 60% of available capital must remain invested.
• Early termination requests are reviewed separately and may attract a percentage-based early termination fee based on that goal's Contractual Tier.
• Bank account verification — payouts are only made to a verified bank account in your name. Verification may require supporting documents.
• Liquidity limitations — some underlying products (for example property) may have limited liquidity and can extend settlement times in exceptional market conditions.
• Fast-Track effect — processed principal withdrawals reduce Qualifying Capital and may reduce your current Fast-Track Benefit status. They do not rewrite the Contractual Tier, term or maturity history of any goal.

Where permitted, capital held in a matured goal may be moved internally to another of your own goals in the same currency.

• An internal transfer between your own goals is not a withdrawal and not a new external contribution for Fast-Track accounting. Qualifying Capital is unchanged and contributions are never counted twice.
• If the destination goal is awaiting activation, the transfer starts that destination goal's own new contractual clock, term and maturity date.
• If the destination goal already has an active contract, the transfer is a top-up and does not reset or extend its existing maturity date.
• Elapsed contractual time never moves with the capital.
• Before maturity, moving capital out of a goal remains subject to the emergency withdrawal and early-termination rules, fees and approvals described in this disclosure.

An emergency withdrawal is a partial withdrawal requested before the relevant goal's contractual term has matured. It is intended for urgent financial needs and allows the client to keep the goal active. WealthSpring requires at least 60% of available capital to remain invested after an emergency withdrawal.

Early termination is different. Early termination means closing, surrendering or ending a goal before its contractual term has matured. Early termination may attract a percentage-based fee according to that goal's Contractual Tier.

You do not receive the full projected maturity value if you withdraw or terminate before that goal's contractual term ends. Your payout is based on the current available value at the time of processing, less applicable fees.

When a goal reaches its contractual maturity you may keep the money invested, withdraw some or all of the available value, move permitted capital internally to another of your goals, or start a new goal.

Remaining invested after maturity does not automatically create a new lock-in period or a new contractual term. A new contractual term begins only where you expressly accept new terms — for example by starting a new goal contract, or where a matured internal transfer activates a goal that was awaiting activation.

You may cancel or request full account closure at any time from the Profile area of the app or by contacting our Accounts team. Account closure before maturity may be treated as early termination and may attract the early termination fee shown in this disclosure.

• Remaining balances are liquidated at prevailing market value and paid to your verified bank account.
• Deductions from the settlement amount may include: management fees, allocation fees (where applicable), emergency withdrawal processing fees (where applicable), early termination fees (where applicable), FX / currency conversion fees (where applicable), and any unpaid or outstanding platform fees.
• Transaction history, statements, tax records and audit logs are retained for the periods required by law, even after closure.
• Closed accounts may be reopened subject to re-verification (KYC/AML) at the time of reactivation.

You will have access to statements, investment reports, tax documents (where applicable in your jurisdiction) and transaction records through the app. Standard documents are provided at no additional charge; premium or bespoke documents may attract the premium document fee shown above.

Important notifications relating to your account, contributions, withdrawals and legal changes are sent to the email address on your profile — please keep it up to date.

All investing carries risk. Investment values may fluctuate, and you may receive back less than you contributed. Returns are not guaranteed. Past performance is not a guarantee of future results.

Different products carry different levels of risk and liquidity. Money Market is lower-risk and highly liquid; Property is medium-risk with lower liquidity; Equities are higher-risk with higher expected long-term return. Your recommended mix is intended to match your stated risk profile and horizon.

To keep your account operating smoothly and compliantly, you agree to:

• Provide accurate personal, tax and KYC information and update it when it changes.
• Keep your banking, contact and beneficiary details current inside the app.
• Read this disclosure, the Investment Risk Disclosure and the Wealth Access Strategy Disclosure before activating your account.
• Ensure deposits are made from bank accounts or cards that you own or are authorised to use.
• Only invest funds you can afford to commit for the chosen time horizon.
• Report suspected unauthorised activity on your account promptly to support@wealthspring.capital.

Our team is available Monday to Friday, 08:00–17:00 (SAST).

General support: support@wealthspring.capital General enquiries: info@wealthspring.capital Accounts, deposits, withdrawals and closures: accounts@wealthspring.capital Postal address: Suite 12, Stanley & Dock Road, Cape Town City Centre, Cape Town, 8001, South Africa

By ticking the acknowledgement box at the end of onboarding, or when acknowledging an updated version of this document, you confirm that you have read and understood the Fees and Transactions Disclosure and accept the applicable investment rules, fees, deposit terms, withdrawal terms, emergency withdrawal rules, internal goal transfer rules, early termination consequences, maturity options, account cancellation rules, and account closure process.

You acknowledge the current versions of the WealthSpring investment contract documents: Terms & Conditions 2026-09-v2, Investment Risk Disclosure 2026-07-v1, Wealth Access Strategy Disclosure 2026-09-v2, and this Fees and Transactions Disclosure 2026-09-v2.

WealthSpring may publish updated versions of these documents. Where a document is updated, you may be asked to acknowledge the current version before starting a new goal contract or before a matured internal transfer activates a new destination contract. Goals already active remain governed by the version accepted when they were activated, unless you accept an amendment.