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The ETF allocation is at the discretion of the investment committee.

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ndovu is a regulated roboadvisory platform owned and run by Ndovu Wealth Ltd. Ndovu is licensed by the Capital Markets Authority (Kenya) as a Fund Manager and is also regulated by the Institute of Certified Investment & Financial Analysts (ICIFA), the Communications Authority and the Nairobi Securities Exchange. ndovu is a registered trademark.” “Investment involves risk. The value of investments and the income from them can go down as well as up and you may not get back the amount originally invested.”

Last Updated: April 15th 2021 These terms of use (“Terms and Conditions”) mandate the terms on which the users (“You” or “Your” or “User”) access and register on the website www.ndovu.co and/or mobile application ‘Ndovu’ operated and managed by Ndovu Inc., its affiliates and its group entities, together referred to as “Company” or “We” or “Us”, collectively referred to as, “the Platform”. Ndovu is a registered trademark of Waanzilishi Capital Limited. Advisory services provided by Waanzilishi Capital Ltd, a CMA-registered investment adviser. US-traded securities are provided to Ndovu users by Interactive Brokers LLC, a regulated member of FINRA/SIPC. Interactive Brokers is a member of SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at www.sipc.org. Investments in securities: • No Bank Guarantee • May Lose Value. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives and Waanzilishi Capital Ltd charges and expenses. Waanzilishi Capital Ltd’s internet-based advisory services are designed to assist clients in achieving discrete financial goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client’s financial situation and do not incorporate specific investments that clients hold elsewhere. Past performance does not guarantee future results, and the likelihood of investment outcomes are hypothetical in nature. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Waanzilishi Capital Ltd is not registered. For further details see our Legal Disclosures. By using this website, you accept our (Terms of Use) and (Privacy Policy) and (Data Protection Policy).

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