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</o:shapelayout></xml><![endif]--></head><body bgcolor=white lang=EN-ZA link=black vlink=black style='word-wrap:break-word'><div class=WordSection1><p class=MsoNormal><span style='font-size:11.0pt;mso-fareast-language:EN-US'><o:p>&nbsp;</o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;mso-fareast-language:EN-US'><o:p>&nbsp;</o:p></span></p><div><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0cm 0cm 0cm'><p class=MsoNormal><b><span lang=EN-US style='font-size:11.0pt;font-family:"Calibri",sans-serif'>From:</span></b><span lang=EN-US style='font-size:11.0pt;font-family:"Calibri",sans-serif'> Allan Gray Client Services &lt;confirmations@allangray.co.za&gt; <br><b>Sent:</b> Friday, May 3, 2024 11:29 AM<br><b>To:</b> anton.kruger@harcourts.co.za<br><b>Subject:</b> Confirmation of your living annuity income for the upcoming year - AGLA515669<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p>&nbsp;</o:p></p><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;background:#E6E7E8;border-collapse:collapse'><tr><td valign=top style='border-top:none;border-left:solid #E6E7E8 6.0pt;border-bottom:none;border-right:solid #E6E7E8 6.0pt;padding:0cm 0cm 0cm 0cm'><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=580 style='width:435.0pt;border-collapse:collapse'><tr><td valign=top style='border:solid #E6E7E8 1.0pt;border-bottom:solid #E6E7E8 6.0pt;background:white;padding:0cm 0cm 0cm 0cm'><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;background:#E6E7E8;border-collapse:collapse'><tr><td width=564 valign=top style='width:423.0pt;padding:12.0pt 12.0pt 12.0pt 12.0pt'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td valign=top style='padding:0cm 0cm 0cm 0cm'></td></tr></table></td></tr></table></div><p class=MsoNormal align=center style='text-align:center'><o:p>&nbsp;</o:p></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;border-spacing: 0;display:table-row'><tr><td width=588 valign=top style='width:441.0pt;padding:12.0pt 0cm 19.5pt 0cm'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;border-spacing: 0'><tr><td valign=top style='padding:0cm 0cm 0cm 12.0pt'><div><p class=MsoNormal align=right style='text-align:right;line-height:14.25pt'><b><span style='font-size:1.0pt'><a href="https://allangray.everlytic.net/s/t/l/6634990f7c2c6a13107079f2/363c1e31e28ab70340b296e1503e8197" target="_blank"><span style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#2399E8;font-weight:normal'><img border=0 width=580 height=65 style='width:6.0416in;height:.677in' id="_x0000_i1033" src="https://cdn18.mailercdn.net/users/assets/427/images/Timelines%20and%20Footers/final_file.png?v=1680269397885"></span><span style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#2399E8;font-weight:normal'><o:p></o:p></span></a></span></b></p></div><div><p class=MsoNormal align=right style='text-align:right;line-height:14.25pt'><a href="https://allangray.everlytic.net/s/t/l/6634990f7c2c6a13107079f2/363c1e31e28ab70340b296e1503e8197" target="_blank"><span style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#2399E8'><img border=0 width=580 height=183 style='width:6.0416in;height:1.9062in' id="_x0000_i1032" src="https://dy9rgikdeqxu.cloudfront.net/users/assets/427/images/Banners%20%5B2019%5D/3522_Tax_Certificate_HEADER_171x541px.jpg?v=1614153478590"></span><span style='color:windowtext'><o:p></o:p></span></a></p></div><p class=MsoNormal align=right style='text-align:right;mso-line-height-alt:0pt'><b><span style='font-size:1.0pt'><o:p>&nbsp;</o:p></span></b></p></td></tr></table></td></tr></table></div><p class=MsoNormal align=center style='text-align:center'><o:p>&nbsp;</o:p></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;border-spacing: 0;display:table-row'><tr><td width=564 valign=top style='width:423.0pt;padding:0cm 12.0pt 12.0pt 12.0pt'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;border-spacing: 0'><tr><td valign=top style='padding:0cm 12.0pt 0cm 12.0pt'><div><p style='margin:0cm;line-height:12.75pt;-webkit-hyphens: none;-moz-hyphens: none;hyphens: none'><span style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#58595B'>Dear Mr KRUGER <o:p></o:p></span></p></div></td><td width=0 valign=top style='width:.3pt;padding:0cm 0cm 0cm 0cm'></td></tr></table></td></tr></table></div><p class=MsoNormal align=center style='text-align:center'><o:p>&nbsp;</o:p></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;border-spacing: 0;display:table-row'><tr><td width=564 valign=top style='width:423.0pt;padding:0cm 24.0pt 15.0pt 24.0pt'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;border-spacing: 0'><tr><td valign=top style='padding:0cm 0cm 0cm 0cm'><div><p style='margin:0cm;line-height:12.75pt;-webkit-hyphens: none;-moz-hyphens: none;hyphens: none'><span style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#58595B'>Your Living Annuity income information for the upcoming year for account AGLA515669&nbsp;is now available through your Allan Gray Online account.<br><br>Once logged in, navigate to &#8216;<strong><span style='font-family:"Arial",sans-serif'>Statements &amp; documents</span></strong>&#8217; &gt;&gt; &#8216;<strong><span style='font-family:"Arial",sans-serif'>Other documents</span></strong>&#8217; to view or download. To access your online account, visit the 'log in' page on our website, <a href="https://allangray.everlytic.net/s/t/l/6634990f7c2c6a13107079f2/9f8ec3d7a051b16813644f08e89ab00e"><span style='color:#57AFD2'>www.allangray.co.za</span></a>.<br><br>A copy of your annuity income information for the upcoming year is attached <strong><span style='font-family:"Arial",sans-serif'>(use your ID number starting with 6101 to open)</span></strong>.<br><br><o:p></o:p></span></p></div></td><td width=0 valign=top style='width:.3pt;padding:0cm 0cm 0cm 0cm'></td></tr></table></td></tr></table></div><p class=MsoNormal align=center style='text-align:center'><o:p>&nbsp;</o:p></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;border-spacing: 0;display:table-row'><tr><td width=564 valign=top style='width:423.0pt;padding:0cm 24.0pt 12.0pt 24.0pt;-webkit-hyphens: auto;-moz-hyphens: auto;hyphens: auto;min-width: 100%;max-width:100%'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;border-spacing: 0'><tr><td valign=top style='padding:0cm 0cm 0cm 0cm;border-spacing: 0;min-width: 100%;max-width:100%'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;border-spacing: 0'><tr><td width="100%" valign=top style='width:100.0%;background:#F4F4F6;padding:0cm 0cm 0cm 0cm;-webkit-hyphens: none;-moz-hyphens: none;hyphens: none'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;-webkit-hyphens: auto;-moz-hyphens: auto;hyphens: auto;min-width: 100%;max-width:100%'><tr><td valign=top style='padding:12.0pt 12.0pt 12.0pt 12.0pt'><p style='margin:0cm;line-height:12.75pt;-webkit-hyphens: none;-moz-hyphens: none;hyphens: none'><strong><span style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#58595B'>Revised income tax tables may cause the value of your payment to change</span></strong><span style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#58595B'><br><br>SARS reviews the income tax tables at the end of February each year. As we are required to apply the latest income tax tables to living annuity payments, any changes made to the tax tables may cause the value of your future payments to change. &nbsp; <o:p></o:p></span></p></td></tr></table></td></tr></table></td><td width=0 valign=top style='width:.3pt;padding:0cm 0cm 0cm 0cm'></td></tr></table></td></tr></table></div><p class=MsoNormal align=center style='text-align:center'><o:p>&nbsp;</o:p></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;border-spacing: 0;display:table-row'><tr><td width=564 valign=top style='width:423.0pt;padding:0cm 24.0pt 12.0pt 24.0pt'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;border-spacing: 0'><tr><td valign=top style='padding:0cm 0cm 0cm 0cm'><div><p style='margin:0cm;line-height:12.75pt;-webkit-hyphens: none;-moz-hyphens: none;hyphens: none'><span style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#58595B'>If you still require any further changes to be made to your income and frequency, submit this instruction by <strong><span style='font-family:"Arial",sans-serif'>16 May 2024</span></strong> using the revision form previously sent. Please contact your financial adviser to assist you with making this decision.<o:p></o:p></span></p></div></td></tr></table></td></tr></table></div><p class=MsoNormal align=center style='text-align:center'><o:p>&nbsp;</o:p></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;border-spacing: 0;display:table-row'><tr><td width=564 valign=top style='width:423.0pt;padding:0cm 12.0pt 6.0pt 12.0pt'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;border-spacing: 0'><tr><td valign=top style='padding:0cm 12.0pt 0cm 12.0pt'><div><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:12.0pt;margin-left:0cm;line-height:12.75pt;-webkit-hyphens: none;-moz-hyphens: none;hyphens: none'><span style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#58595B'>Yours sincerely <o:p></o:p></span></p></div></td><td width=0 valign=top style='width:.3pt;padding:0cm 0cm 0cm 0cm'></td></tr><tr><td valign=top style='padding:0cm 12.0pt 0cm 12.0pt;-webkit-hyphens: auto;-moz-hyphens: auto;hyphens: auto;float:none'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=0 style='border-collapse:collapse;border-spacing: 0'><tr><td valign=top style='padding:0cm 0cm 0cm 0cm'><p class=MsoNormal align=center style='text-align:center'><span style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#2399E8'><img border=0 width=78 height=76 style='width:.8125in;height:.7916in' id="_x0000_i1031" src="https://dy9rgikdeqxu.cloudfront.net/users/assets/406/images/Signatures/Faizil-(black)-78x76.png?v=1636286619102" alt="Faizil Jakoet's Signature"></span><o:p></o:p></p></td></tr></table></td><td width=0 valign=top style='width:.3pt;padding:0cm 0cm 0cm 0cm'></td></tr><tr><td style='padding:0cm 0cm 0cm 0cm'></td><td style='padding:0cm 0cm 0cm 0cm'></td></tr><tr><td valign=top style='padding:0cm 12.0pt 0cm 12.0pt'><div><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:12.0pt;margin-left:0cm;line-height:12.75pt;-webkit-hyphens: none;-moz-hyphens: none;hyphens: none'><span style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#58595B'><br>Faizil Jakoet<br><strong><span style='font-family:"Arial",sans-serif'>Head of Retail Client Services</span></strong> <o:p></o:p></span></p></div></td><td width=0 valign=top style='width:.3pt;padding:0cm 0cm 0cm 0cm'></td></tr></table></td></tr></table></div><p class=MsoNormal align=center style='text-align:center'><o:p>&nbsp;</o:p></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;border-spacing: 0;display:table-row'><tr><td width=564 valign=top style='width:423.0pt;padding:0cm 24.0pt 19.5pt 24.0pt'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;background:#F4F4F6;border-collapse:collapse;border-spacing: 0'><tr><td width="20%" style='width:20.0%;padding:0cm 0cm 0cm 0cm'><div><p class=MsoNormal align=center style='text-align:center'><b><span style='color:black'><img border=0 width=90 height=90 style='width:.9375in;height:.9375in' id="_x0000_i1030" src="https://dy9rgikdeqxu.cloudfront.net/users/assets/427/images/All%20icons%20%5B2019%5D/2462_Client%20Service_Icon%20pack8_small.png?v=1614157361974"></span></b><b><o:p></o:p></b></p></div></td><td width="80%" style='width:80.0%;padding:0cm 0cm 0cm 0cm'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;border-spacing: 0'><tr><td valign=top style='padding:12.0pt 12.0pt 12.0pt 12.0pt'><div><p style='margin:0cm;line-height:12.75pt;-webkit-hyphens: none;-moz-hyphens: none;hyphens: none'><strong><span style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#58595B'>Understand your total tax liability if you have multiple sources of income as SARS may specify fixed tax rates</span></strong><span style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#58595B'><br><br>As of 1 March 2022, SARS may require us to withhold tax for your living annuity income at a rate that is determined by SARS considering multiple sources of income. If this is the case, SARS will instruct us on the rate to use via a fixed-rate tax directive. Should they do so, we will communicate this with you in advance informing you of your available options. In the meantime, you can&nbsp;<a href="https://allangray.everlytic.net/s/t/l/6634990f7c2c6a13107079f2/250b1ff5e337a9337adb6340c77819de"><span style='color:#57AFD2'>learn more about how SARS has changed tax for annuitants here</span></a>.&nbsp;Should you have any questions, please contact your financial adviser.<o:p></o:p></span></p></div></td></tr></table></td></tr></table></td></tr></table></div><p class=MsoNormal align=center style='text-align:center'><o:p>&nbsp;</o:p></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;background:#E6E7E8;border-collapse:collapse;border-spacing: 0;display:table-row'><tr><td width=564 valign=top style='width:423.0pt;padding:12.0pt 12.0pt 12.0pt 12.0pt'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;border-spacing: 0;min-width: 100%;max-width:100%'><tr><td width="25%" valign=top style='width:25.0%;padding:0cm 6.0pt 0cm 6.0pt'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=0 style='border-collapse:collapse;border-spacing: 0'><tr><td valign=top style='padding:0cm 0cm 0cm 0cm'><p class=MsoNormal align=right style='text-align:right'><b><img border=0 width=20 height=16 style='width:.2083in;height:.1666in' id="_x0000_i1029" src="https://dy9rgikdeqxu.cloudfront.net/users/assets/412/images/call.png"></b><b><o:p></o:p></b></p></td><td nowrap style='padding:0cm 0cm 0cm 0cm'><div><p style='margin:0cm;mso-line-height-alt:8.25pt;-webkit-hyphens: none;-moz-hyphens: none;hyphens: none'><b><span style='font-size:8.5pt;font-family:"Georgia",serif;color:#58595B'>0860 000 654<o:p></o:p></span></b></p></div></td></tr></table></td><td width="41%" valign=top style='width:41.66%;padding:0cm 6.0pt 0cm 6.0pt'><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=0 style='border-collapse:collapse;border-spacing: 0;float:none'><tr><td valign=top style='padding:0cm 0cm 0cm 0cm'><p class=MsoNormal align=right style='text-align:right'><b><img border=0 width=23 height=18 style='width:.2395in;height:.1875in' id="_x0000_i1028" src="https://d2pc67ekgjx6l.cloudfront.net/images/templates/hn4t7gRhSmEJNL8yY0iRO84ax4ZezySZ/email_1.png"></b><b><o:p></o:p></b></p></td><td style='padding:0cm 0cm 0cm 0cm'><div><p style='margin:0cm;mso-line-height-alt:8.25pt;-webkit-hyphens: none;-moz-hyphens: none;hyphens: none'><b><span style='font-size:8.5pt;font-family:"Georgia",serif;color:#58595B'><a href="mailto:info@allangray.co.za?subject=Re:%20Confirmation%20of%20your%20living%20annuity%20income%20for%20the%20upcoming%20year%20-%20AGLA515669"><span style='color:#58595B'>info@allangray.co.za</span></a><o:p></o:p></span></b></p></div></td></tr></table></div></td><td width="33%" valign=top style='width:33.32%;padding:0cm 6.0pt 0cm 6.0pt'><div align=right><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=0 style='border-collapse:collapse;border-spacing: 0;float:right'><tr><td valign=top style='padding:0cm 0cm 0cm 0cm'><p class=MsoNormal align=right style='text-align:right'><b><img border=0 width=22 height=16 style='width:.2291in;height:.1666in' id="_x0000_i1027" src="http://aime.everlytic.net/images/templates/KD0NuRyL2SlehxQHWS95bjeD3BeA6TXs/icon_web.png"></b><b><o:p></o:p></b></p></td><td style='padding:0cm 0cm 0cm 0cm'><div><p style='margin:0cm;mso-line-height-alt:8.25pt;-webkit-hyphens: none;-moz-hyphens: none;hyphens: none'><b><span style='font-size:8.5pt;font-family:"Georgia",serif;color:#58595B'><a href="https://allangray.everlytic.net/s/t/l/6634990f7c2c6a13107079f2/6b6534d33da006b2f9ee964221ddd022"><span style='color:#58595B'>www.allangray.co.za</span></a><o:p></o:p></span></b></p></div></td></tr></table></div></td></tr></table></td></tr></table></div><p class=MsoNormal align=center style='text-align:center'><o:p>&nbsp;</o:p></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;border-spacing: 0;display:table-row'><tr><td width=588 valign=top style='width:441.0pt;padding:12.0pt 0cm 12.0pt 0cm'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;border-spacing: 0'><tr><td valign=top style='padding:0cm 0cm 0cm 12.0pt'><div><p class=MsoNormal align=right style='text-align:right;mso-line-height-alt:0pt'><a href="https://allangray.everlytic.net/s/t/l/6634990f7c2c6a13107079f2/337370629f9be989d8b2fa376977411e" title="&quot;&quot; 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