Continuous Amendments to the Master Regulations

26 as prescribed by the Trust from time to time, 4 as well as the effective date of such change. 15.3 Termination of the Master Regulations and/or the Regulations 15.3.1 The Trust may terminate these Master Regulations and/or any of the Regulations at any time in writing and shall give notice of the termination date thereof via Pay Points or through such electronic means as prescribed by the Trust from time to time. 5 15.3.2 Notwithstanding the provisions of regulation 15.3.1, these Master Regulations and all other Regulations shall endure for purposes of settling all obligations which were incurred on or before the termination date thereof. 16. Complaint procedure 16.1 If a Member has a Complaint in respect of his/her Membership, the Membership Contributions paid and/or the Benefits provided and/or procured pursuant to Membership to the Trust, such Complaints shall be lodged with the Administrator in the following manner: 16.1.1 by email to complaints@kganya.co.za; or 16.1.2 telephonically to 0800 000 538; or 16.1.3 via any of the Kganya Service Centres whose details are set out in Annexe A.6 , as amended from time to time, and which details can be found on the website of the Administrator at https://mykganya.com . 16.2 Any complaints in respect of the Insurance Contracts must be directed to the Insurer, or to the Administrator on behalf of the Insurer, as set out in the Insurance Contracts. 4 Amended with effect from 1 April 2024. 5 Amended with effect from 1 April 2024.