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GOVERNANCE REPORT

Good corporate governance is an integral part of the PPS Group's operations and the PPS Group is fully committed to the principles of King IV and the SAM Pillar II Risk Management requirements.

The holding entity of the PPS Group is the Professional Provident Society Holdings Trust (PPS Holdings Trust). The PPS Holdings Trust Board is the focal point of the PPS Group's corporate governance system. PPS Holdings Trust's primary operating subsidiary is Professional Provident Society Insurance Company Limited (PPS Insurance).

In terms of the Pillar II Risk Management requirements, PPS Insurance is required to adopt, implement, and document an effective governance framework that provides for the prudent management and oversight of its insurance business and adequately protects the interests of its policyholders. This governance framework is documented in the Corporate Governance Report.

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