I hereby declare the following –

I have read FICA and the contents of this RMCP, both of which have been distributed or otherwise made available to me, and I have also attended the necessary training workshops offered by the Business in this regard; and

I acknowledge that to the extent that I do not understand any of my duties under FICA or the RMCP, I have contacted the Risk Officer for clarifications; and

I undertake to observe strictly and diligently all my duties imposed by FICA and the RMCP, fully understanding that my failure to do so –

will potentially expose the Business to unacceptable MLFT risk, as well as financial and reputational risk from the penalties that may be levied by the FIC against the Business for any instances of non-compliance with FICA and the RMCP; and

is a criminal offence in terms of FICA, and constitutes serious misconduct in terms of the Business' disciplinary code.