Terms & Conditions

TRAIN-A-CONNECTOR GUARDIANS ASSOCIATION NPO MEMBERSHIP/CONNECTOR

Contents

A. General Membership Conditions

B. Train-A-Connector Guardians Association NPO

C. Train-A-Connector Onboarding and Registration

D. Train-A-Connector - Grades

E. Foreign Members & Connectors

F. Membership section

A. General Membership Conditions

1. Pre-amble

1.1. This document defines the Terms and Conditions upon which the Membership (Member/Connector), Rewards, Benefits, and Services are delivered to Connectors/Members and defines your Membership. The information in this agreement includes all rewards, benefits, and services available to Connectors/Members (Membership). Members only enjoy rewards/benefits as described in the Benefit Overview. (This Document)

1.2. The parties to the Membership are:

1.2.1. You (the Connector/Member) are on the registration process, where you have accepted the:

1.2.1.1. Membership Constitution.

1.2.1.2. Terms and Conditions of Membership.

1.2.1.3. Mandated the Association “Train-A-Connector Guardians Association NPO” to act on your behalf as per the Constitution.

1.2.1.4. Parents or their Legal Guardians will sign on behalf of any minor children (Younger than 16 or children of the age of 16 that does not have a valid ID card).

1.2.2. Train-A-Connector (Pty) Ltd as a registered business entity on its own. Products and services are supplied to Train-A-Connector Guardians Association NPO by Train-A-Connector (Pty) with place of business (184 Erasmus Street, Meyerspark, Pretoria, 0103, +2782 871 8931) and Herminix (Pty) Ltd registration number 2012/191099/07,(with place of business administration office at 238 High Street, Oudtshoorn,

+2712 111 0296 / +2712 807 1826, who is the appointed Administrator for certain Products and Benefits) and further referred to as the “Company”. Various other suppliers also provide Products and Services to the Train-A-Connector Guardians Association NPO.

1.2.3. Your Broker House (Pty) Ltd, FSP 46444, is our registered Financial Services Supplier for all our insurance-related benefits. Contact Your Broker House (Pty) Ltd for any advice on any insurance-related business. Train-A-Connector, Herminix (Pty) Ltd, and the Train-A-Connector Association will not offer or give any Advice on any insurance-related products.

1.3. Please take note that some of the benefits are outsourced to 3rd party Service Suppliers, and each Service Supplier has its own Terms and Conditions as well as Regulations.

1.4. Only the Benefits/Rewards of your Member/Connector (Membership) Grade that you qualify for will be active. All available Membership grades, levels, their benefits/rewards, terms, and conditions are outlined in this comprehensive Membership Terms and Conditions.

1.5. Definitions

Term & Definition

Association - means a non-profit Association constituted by a distinct and separate legal entity within the ambit of the Train-A-Connector Guardians Association Constitution. The Association's Objectives are to support its members and connectors, where possible, and to offer negotiated products, benefits, rewards, and services that uplift and improve their lives. The Association is open to all groups and ages, where, for specific ages, Parents or their Legal Guardians will sign on behalf of any minor children. The Association has outsourced its management duties to Train-A-Connector (Pty) Ltd and, in particular, product administration to Herminix (Pty) Ltd, a registered company under the Laws of South Africa.

Benefits - means the benefits and /or services as further described explicitly in this agreement and as specified on the Benefit Overview. A Benefit is an ongoing or inherent advantage that a member/connector receives simply by being part of the Association, such as “Dial-A-Teacher,” for which NO performance is required. Consumer Legal and the Administrator reserve the right to change/add to, or remove any benefit without prior notice.

Rewards - means the rewards and /or services as further described explicitly in this agreement and as specified on the Rewards Overview. A Reward is something given in recognition of a specific action, behaviour, or achievement by a connector where performance is required to acquire, such as mobile packages or training allowances. Consumer Legal and the Administrator reserve the right to change/add to, or remove any benefit

without prior notice.

Client(s) means the client, also referred to as a member or connector, who applied for membership and certain rewards benefits as defined in this agreement and who was accepted as a member or connector.

Contribution - means the prepaid member and connector fee payment due in advance by a member and connector.

Coverage - means the rewards and benefits as defined in this document and specified on the application and Reward/Benefit Overview, and for which a paid-up member and connector are eligible.

Deductible means the rewards and benefits programme membership fee, which must be paid in advance by the Member and the Connector.

Grade Benefits - means the rewards and benefits in the overview are indicated for each Grade that a connector can acquire through being part of the Association or through performance. Terms and Conditions apply; in this document, the Grade rewards and benefits will be specifically outlined.

Member - means a person who has been accepted, received an acceptance letter as well as the Terms and Conditions of the Membership, and paid their monthly membership fee, which is payable on their anniversary date. As a member, you will have access to the Train-A-Connector Educational Library and our 3 TAC E-Wallet, where you can transact through a digital wallet to purchase products and services at wholesale prices.

Legal Guardian - In the case of minor children (ages 16, 17, and below 18), will the Parent or Legal Guardian sign a separate document, which is a Consent and Authorization Cession, allowing the Child to become a prominent member in Train-A-Connector Guardians Association NPO

Connector - means a person who has been accepted, received an acceptance letter as well as the Terms and Conditions of the Membership, and paid their monthly membership fee, which is payable monthly in advance. As a connector, you will have access to the Train-A-Connector Library and the TAC E-Wallet platform, where you can transact through a digital wallet and introduce new Members and Connectors to the Train-A-Connector Guardians Association NPO. Training allowances will be paid to Connectors on successful connections with new connectors and for the training platform.

Membership - means a person (member or connector) who has applied for a particular association membership level and has accepted the Terms and Conditions as well as the Constitution and has been accepted as a member or connector.

Membership Fees - means the monthly membership fee for being a member or connector of the Train-A-Connector Guardians Association NPO and sharing in the benefits and/or rewards of the association.

Paid-up - means the member and connector have paid in advance, where applicable, (pre-paid) for the member and connector fees, and no payment has been rejected or returned. If a member or connector has enjoyed benefits which was paid-up at the stage of utilisation and the payment is later dismissed for any reason, the member or connector will legally be responsible for the payment of such benefits or services, and the Service Supplier will have the right to take legal action, at the client's Attorney's costs, to recover such payment.

Starting date - This refers to the date on which membership begins —the registration date combined with when the membership was paid and accepted, also known as the anniversary date. Membership subscriptions are based on anniversary dates.

1.6. Eligibility

1.6.1. Persons who are 16 years and older who have applied for membership and who have paid the prescribed membership fee as outlined in the membership application, and who have completed the membership registration, either on paper, online, per call centre voice recording in complete detail, or where the member/connector signed online, are eligible.

1.6.2. Notwithstanding those above, the Company retains the right to investigate and to verify that the eligibility requirements have been met, and the Company may, at its sole discretion, refuse a registration or terminate the coverage and/or membership of a member/connector and their Dependents who are not eligible for benefits.

1.6.3. If, upon evaluating a membership application, the Company discovers that the eligibility requirements have not been met, its only obligation shall be to refund the aforementioned membership fees, after costs already incurred by the Company and its Service Suppliers have been deducted.

1.7. Effective date

1.7.1. The “Effective Date” is the date on which the Company approved and accepted a person’s application for membership. Membership subscriptions are based on full calendar months and paid in advance.

1.7.2. The onus is on the member to make sure that all membership fees applicable are paid.

1.8. Expiration Date

1.8.1. The membership period shall terminate on the earliest of the following dates:

1.8.1.1. If a member’s membership fee was not paid on the anniversary date, or

1.8.1.2. The date on which a membership is terminated for cause by the Company; or

1.8.1.3. The date on which the member has informed the Company that the Member/Connector has cancelled its Membership, by giving one calendar month's written notice.

1.9. Limits of Liability

1.9.1. Any claim for any prepaid and/or discount benefits, services, or rewards that is not submitted in writing to the Company or the Service Provider within 90 days after the benefit became due shall be denied.

1.9.2. No benefits/rewards, other than a benefit/reward due to a member or connector under the program, shall be construed or deemed to be a benefit/reward.

1.10. Exclusions

1.10.1. Any exclusions imposed by Service Providers, as per the specific rule and terms of each benefit as specified in the Service Supplier’s documentation, which is included in this agreement.

1.10.2. In any event where fraud or misrepresentation was involved by the member, connector, or any dependents

1.11. Communication

1.11.1. The Company’s communication method of choice includes all accepted electronic communication, which includes, but is not limited to, SMS, WhatsApp, internal portal notifications, and email.

1.11.2. It is the member’s/connector’s responsibility to inform the Company if any communication must be in hard copy or distributed via standard postal services.

1.11.3. By applying for the Membership, the member/connector authorises the Company to communicate with the member/connector in any way acceptable, including information regarding other benefits and offers for the possible benefit of the member. The members/connectors must inform the Company if they reject communication regarding new and different benefits/rewards.

1.11.4. All communication, personal data, and information will be kept Confidential.

1.12. Acknowledgment Letter

To qualify for the Acknowledgement Letter and register with the KhayaCONNECT Community Rewards Programme, Connectors must meet the following requirements:

1.12.1. Register four personal connectors on their TAC 1.

1.12.2. Populate TAC 2 with 16 connectors, for a total of 20 connectors in its structure.

1.12.3. Once TAC 2 is populated with 16 connectors, the R350 membership fee for KhayaCONNECT is reserved.

1.12.4. If one of the four personal connectors qualifies for the Acknowledgement Letter before you (downline), a written request can be submitted to TAC to issue the Acknowledgement Letter. In this case, the R350 membership fee must be paid into the TAC Trust Wallet.

1.12.5. TAC reserves the right to decline a request for an Acknowledgement Letter, based on facts and circumstances during the written request by a Connector.

1.13. POPIA

1.13.1. As Train-A-Connector (Pty) Ltd and Train-A-Connector Guardians Association NPO, we support the Protection of Personal Information Act (POPIA), Act 4 of 2013.

1.13.2. Your privacy is of utmost importance to us. We will take the necessary measures to ensure that all information you provide for this application is processed in accordance with the provisions of the Protection of Personal Information Act 4 of 2013 and stored safely and securely.

1.13.3. You hereby agree to give honest, accurate, and up-to-date Personal Information for us to continue supporting you, as required by the Constitution.

1.13.4. You accept that your Personal Information collected by us may be used for the following purposes:

1.13.4.1. To establish and verify your identity in terms of the Applicable Laws.

1.13.4.2. Unless consented to by you, we will not sell, exchange, transfer, rent, or otherwise make available your Personal Information (such as your name, address, email address, telephone or fax number) to any other party, and you indemnify us from any claims resulting from disclosures made with your consent.

1.13.5. You understand that if the Administrator/Insurer has utilised your Personal Information contrary to the Applicable Laws, you have the right to lodge a complaint with the Company or with the Information Regulator.

B. Train-A-Connector Guardians Association NPO

1. Train-A-Connector (Pty) Ltd is a registered business entity on its own. Products and services are supplied to Train-A-Connector Guardians Association NPO by Train-A-Connector (Pty) Ltd, Herminix (Pty) Ltd, and various other suppliers. Herminix (Pty) Ltd is one of the appointed

Product Administrators. Your Broker House (Pty) Ltd (FSP46444) is the registered Financial Service Provider for all insurance-related products and benefits.

2. Train-A-Connector Guardian Association NPO has its own Constitution and Membership Terms and Conditions (this document) and is a community education program. Through a Train-A-Connector Guardian Association NPO membership, members and connectors automatically qualify for certain benefits. Members/Connectors have accepted that benefits are linked to the finalisation of responsibilities in each TAC Grade.

3. Membership will only be activated after the initial registration fees have been paid in full and monthly thereafter.

4. The program focuses on training and education for members/connectors through courses and materials provided by TAC, suggesting a commitment to personal development and skill-building. This approach can empower members/connectors to enhance their knowledge and

capabilities, potentially leading to improved outcomes and success.

5. To access the online discounted courses and training materials, you must register as a Member of TAC and pay a monthly membership fee of R190. When you register and join as a Member of TAC, you enjoy the benefits that are exclusively provided through TAC’s service providers to its members.

6. Alternatively, to point five, where you register as “Member”, you can register as a “Connector”, pay the monthly membership fee of R190, and participate in the 4 Grade rewards program, where you receive rewards for helping and assisting other Connectors in their training and education. This is also the pathway to becoming a Connector with KhayaCONNECT

7. The Program benefits include much more value than the R190 monthly membership fee.

8. Nobody is forced to recruit anybody. As a “Member/Connector”, you decide to participate in the “benefits/rewards” program.

9. Members can choose to become Connectors or not. If so, they will participate in the 4 Grade rewards program, where they will earn training allowances in helping fellow Connectors to get trained and educated. The training allowances can be used to pay for products and services provided by TAC through third-party suppliers.

10. A great incentive is the use of training allowances from the TAC program to cover the first month's KhayaCONNECT membership fee of R350, which can help reduce the financial burden for new members. This can make it more accessible for people to join the KhayaCONNECT community rewards lifestyle program.

11. A person can also register as a member and pay the monthly membership fee. As a member or Connector, the following benefits and rewards will be automatically available once the monthly membership fee is paid in full. The Train-A-Connector Grade rewards and benefits that Connectors or members will automatically receive when they qualify for a specific benefit are as follows:

C. Train-A-Connector Onboarding and Registration:

1. Train-A-Connector’s E-Wallet is powered by its own proprietary platform, known as Train-A-Connector (TAC) wallet, which will be managed and administered directly by Train-A-Connector (Pty) Ltd.

2. Free quote on short-term personal and business insurance with a guaranteed saving in monthly premiums of between 20% to 40% through Your Broker House FSP46444 – only in RSA.

3. Access to TAP online courses. There are many free courses per day, every day of the week.

4. More advanced entrepreneurial online courses through Nextrepreneur, valued at R2900 and more. Members only pay R1200. (Per year)

5. Access to a Digital Info Hub.

6. A Corporate E-Mail Address and hosting.

D. Train-A-Connector - Grades

• Train-A-Connector TAC 1:

o R190 TAC membership fee is reserved for the following month's payment if TAC Grade 1 is fully populated with your four personal Connectors.

o Training Allowance

• Train-A-Connector TAC 2 (First month’s qualification):

o R360.00 Khaya Connect Membership fee is reserved.

o Melon SIM card, 50 min Airtime, and 50 SMS’s.

o Training Allowance

• Train-A-Connector TAC 2 (Second month’s qualification):

o Access to 6 Accredited educational courses worth R3,000 through Nextrepreneur.

o Upgraded to uncapped Airtime and 5 GB of Data for smartphone users.

o Upgraded to 300 min Airtime, and 150 SMS’s for non-smartphone users.

o Training Allowance

• Train-A-Connector TAC 3:

o Allocating R200 towards a marketing savings plan.

o Training Allowance

• Train-A-Connector TAC 4:

o Allocating R100 towards marketing expenses and training videos.

o Training Allowance

E. Foreign Members & Connectors

Foreign members not living in South Africa will receive different benefits. They will not be issued a SIM card. Instead of the SIM card, they will receive the extra training allowance.

1. Membership renewals are due on the anniversary date of your membership. Your registration date will also serve as your anniversary date.

2. If you register and pay, for example, on August 25th, your membership for August will be paid. Your September membership is due on September 25th. If payment is not received on the anniversary date, your account will be automatically suspended, and you will lose all benefits.

3. Your upline Connector will then be able to register a new member in your place.

4. Training Allowances for TAC 1, 2, 3, and 4 are paid instantly, immediately after a member who has joined your community has paid their membership fee. A minimum balance of R110 must be available for all withdrawals. R10 EFT fees are payable by the member for each withdrawal.

5. R190 will be automatically reserved in a reserved wallet to pay your membership fees on your renewal date.

6. Cancelling your membership will immediately remove you from your position in your up line's tree and deactivate your personal referral link. You will also be prohibited from rejoining TAC/KhayaCONNECT for a period of 12 months.

7. If a member does not have a bank account, then an e-wallet transfer can be made. The processing fee for such a transaction is R50 and is payable by the member.

8. The Connector has the option to choose to receive payments daily. If not, they can also submit the withdrawal request in person.

9. Training Allowance rewards are paid for each TAC Grade, and a limit is set for each grade. Connectors cannot exceed the limits for each Grade.

10. All SIM card upgrades are determined at the end of each month. All newly awarded upgrades will be done on the 15/16 of the new month.

11. All activations of new SIM cards happen on receipt of the SIM and supplying the SIM number to the administrator, and upgrades will occur on the 16th of each month. Our Melon month-end periods run from the 16th to the 15th of each month.

12. Every week, a report will be compiled to determine who is eligible to receive their new SIM card with 50 minutes of airtime. This occurs throughout the period during which the connector has qualified for TAC 2, with 20 paid-up connectors.

13. The new SIM cards will then be sent out every week after members have qualified for their Grade 2.

14. All product benefit/rewards qualifications are determined at the end of each month.

Benefits/Rewards are then issued in the first week of the new month

F. Membership section

1. Membership

This membership is available to anyone, anywhere in the world. It is essential to ensure that you understand which membership level you are currently on or have qualified for.

As you have accepted our constitution and accepted membership of our association, you will be able to make use of any of the benefits at your own free will. For your convenience, we provide the terms and conditions for each grade for which you may qualify. Each supplier and each membership grade you may be eligible for has its own terms and conditions.

SPECIAL NOTE: It is essential to know which TAC Grade you are on, as only the rewards /benefits for your Grade will be active. Some rewards/benefits are only available in South Africa. Each member will receive, at the end of each tax year, a summary report of all benefits and rewards earned. It is each member's responsibility to declare all rewards and benefits earned to their local tax authority.

2. Membership Fees:

Fees:

• R190/month for South African citizens.

• $12/month for foreigners with valid passports or ID cards of their Country of origin.

Payment Terms:

• Membership/Connector fees are due on your anniversary date. To avoid cancellation, you must pay your subscription on your anniversary date.

• Failure to pay your membership/connector fees will result in the forfeiture of benefits and allowances.

Annual Adjustment:

• Membership fees are reviewed and adjusted annually based on the Consumer Price Index (CPI) inflation rate.

Refund policy:

• Membership fees are not refundable.

KYC (Know your customer):