%PDF-1.4 %“Œ‹ž ReportLab Generated PDF document http://www.reportlab.com 1 0 obj << /F1 2 0 R /F2 4 0 R /F3 5 0 R /F4 6 0 R >> endobj 2 0 obj << /BaseFont /Helvetica /Encoding /WinAnsiEncoding /Name /F1 /Subtype /Type1 /Type /Font >> endobj 3 0 obj << /BitsPerComponent 1 /ColorSpace /DeviceGray /Filter [ /ASCII85Decode ] /Height 23 /Length 223 /Subtype /Image /Type /XObject /Width 24 >> stream 003B00 002700 002480 0E4940 114920 14B220 3CB650 75FE88 17FF8C 175F14 1C07E2 3803C4 703182 F8EDFC B2BBC2 BB6F84 31BFC2 18EA3C 0E3E00 07FC00 03F800 1E1800 1FF800> endstream endobj 4 0 obj << /BaseFont /Helvetica-Oblique /Encoding /WinAnsiEncoding /Name /F2 /Subtype /Type1 /Type /Font >> endobj 5 0 obj << /BaseFont /Helvetica-Bold /Encoding /WinAnsiEncoding /Name /F3 /Subtype /Type1 /Type /Font >> endobj 6 0 obj << /BaseFont /Helvetica-BoldOblique /Encoding /WinAnsiEncoding /Name /F4 /Subtype /Type1 /Type /Font >> endobj 7 0 obj << /Contents 18 0 R /MediaBox [ 0 0 595.2756 841.8898 ] /Parent 17 0 R /Resources << /Font 1 0 R /ProcSet [ /PDF /Text /ImageB /ImageC /ImageI ] /XObject << /FormXob.c7485dcc8d256a6f197ed7802687f252 3 0 R >> >> /Rotate 0 /Trans << >> /Type /Page >> endobj 8 0 obj << /Contents 19 0 R /MediaBox [ 0 0 595.2756 841.8898 ] /Parent 17 0 R /Resources << /Font 1 0 R /ProcSet [ /PDF /Text /ImageB /ImageC /ImageI ] /XObject << /FormXob.c7485dcc8d256a6f197ed7802687f252 3 0 R >> >> /Rotate 0 /Trans << >> /Type /Page >> endobj 9 0 obj << /A << /S /URI /Type /Action /URI (https://www.faisombud.co.za/wp-content/uploads/determinations/govender_01933.pdf) >> /Border [ 0 0 0 ] /Rect [ 29.34646 726.9418 154.2125 740.4418 ] /Subtype /Link /Type /Annot >> endobj 10 0 obj << /A << /S /URI /Type /Action /URI (https://www.faisombud.co.za/wp-content/uploads/determinations/ramaraj_01266.pdf) >> /Border [ 0 0 0 ] /Rect [ 40.59646 677.4708 187.3115 688.7208 ] /Subtype /Link /Type /Annot >> endobj 11 0 obj << /Annots [ 9 0 R 10 0 R ] /Contents 20 0 R /MediaBox [ 0 0 595.2756 841.8898 ] /Parent 17 0 R /Resources << /Font 1 0 R /ProcSet [ /PDF /Text /ImageB /ImageC /ImageI ] /XObject << /FormXob.c7485dcc8d256a6f197ed7802687f252 3 0 R >> >> /Rotate 0 /Trans << >> /Type /Page >> endobj 12 0 obj << /Outlines 14 0 R /PageMode /UseNone /Pages 17 0 R /Type /Catalog >> endobj 13 0 obj << /Author () /CreationDate (D:20250814002006-02'00') /Creator (\(unspecified\)) /Keywords () /ModDate (D:20250814002006-02'00') /Producer (xhtml2pdf ) /Subject () /Title () /Trapped /False >> endobj 14 0 obj << /Count 2 /First 15 0 R /Last 15 0 R /Type /Outlines >> endobj 15 0 obj << /Count -1 /Dest [ 7 0 R /Fit ] /First 16 0 R /Last 16 0 R /Parent 14 0 R /Title (FAIS Ombud case summary involving Davin Govender and Pieter de Wet t/a Model Insurance Company) >> endobj 16 0 obj << /Dest [ 7 0 R /Fit ] /Parent 15 0 R /Title (FAIS Ombud case summary involving Davin Govender and Pieter de Wet t/a Model Insurance Company) >> endobj 17 0 obj << /Count 3 /Kids [ 7 0 R 8 0 R 11 0 R ] /Type /Pages >> endobj 18 0 obj << /Filter [ /ASCII85Decode /FlateDecode ] /Length 2871 >> stream GauHLflGh,(4GpYi6b+B2#!j(S>=u3kt0lk<7OoGIXt$\7)HnD89mS0VRI?,rd+O3AVN1]P_g:6pV8^>.,=hNT//F3(n'c+Jk`_Lsf27)l0NW=:q=gX`j!r:omPM\g4*Kq5QjhZ!EE[>QPbg@bA92S@-XYLl1?XiprqhfPTmj@2!$niQ=2dbM6X8J0]>+(RIYOCU"h.Xq-hJe(!lMP:eL/rO5==I-YK"i&)`m'>O@\mrJ?8#*u*kF3LertK+_*G9P^4`!%SicmZ_5JGJ'n1uF_6PDt)h$sXpO&SHg0AeG8Vg?l0/E^1jh:FMcpImL"[bAl9_qoCGZ!Z4eBF:FMD[LY>7>Hp-+;#X[/i`aT(8:k6\lV-nN%l8tnE0]eBN)F>_WSda!jH4P.rZO0[#=V%rLA/L[)VXq0QCUb6t,.g.fP!U*X@'qa&mWh=NP^+DD&oj%r9/_KAiYm9BffsPS(&hrXD:(B,kOgV)S4UXF8/3>T@`rmR@M,lH(2jW4]))X'-4#)U]m.Q[-W'KLk%5#lDX9A#9q:?==#&?.X['VHp=%XnAoLabXY+^PG?->^6^'d!fn1Nd]d/VA-B($J`kK_%]O\c93X[qR5fl,BZR=N"(#?L)+j,QKc`cbIq2#Ti8b3LRXRi.p:!^SkNEAY3h+@hu/)0aT\p"e<0_[X3+s.kK7[UK;r+W):uGg@QIB1/&U/R67po):*u&AT1GUs_XN8M;bm!:5u0hitPgJ8`V,-,%$"=n4;AHN?T1_I5^n[U0&ALVh_PF9FoJQk.V^L-/_egJ)/s5[HdO8OJ;`JpM?J"W#aQ4\_"%816XiJW_'fDihnW@^TfI7!hsA(aF?'S#aN+"au'`d(Xj152&CcCjG@gm_#9:&jnt1JK)jqE-ZaV0Lsq;`H^%!d4]jg@kEQ)!MO%6^;7/c;!QjJE\]klnAk%Y\.CjI'GM-R2ZllT(_^V2a%O:b.b(d<*;(\J*N\\U>])/E;5+09m1V@r2bF'agcm[k]gQAQ46VZ<(.NJW3?J_TK1,+=@^[KPc!%.$Su31Yc>(bhI6C1NDONuK%[m"jCnu+HC!PJ[O((cZ+7dEu\?mM/9NNA4>Y,c5:Qg<-jRTN,Jaf#a,TQ\C0>hN'f<3(Y*CWIMSX_/$LAHV'3pIj+>m16]Z7F_.c!jiB6/Y0GoSRbtK),33@:GrT>_?8J7M$$hlP=B3+cu4uf'-L)tT@aV!Jm$,*$]2M]Qt*Zh*SaV]ch?\5!?-C@>!4$3p;Qtc,L*W@cf*gCVZ_#D-o=;B1a>$t-_H8i]F6+84uVNA6I%&.hd!?BaMPPfZ^`RTc%.6fuc[Dt*X@o^^4>bn/+>or:(aZLgS"DbSh1-$$_3u#4cTqX+/!JLR(C5q0Y67Tt58OPK+VRG#m3emER?=~>endstream endobj 19 0 obj << /Filter [ /ASCII85Decode /FlateDecode ] /Length 2949 >> stream Gb!;e>BAi5'n5n\^e8>$NgED#PXtMmg!jkNP1as/1[Tg$+;2&c,mf;+V&2?,$-+l>GHO&)!:O$%'.##7FTIjBMl^AA(_>Vc4&`SJQ^=Vq+$4!t>eBUpJAP^;X)gLN,NGoB/T[u%uG>C5FXH1qjEq;mXFVg4Eb#Ff*g_DlSk_"Vi`iADo'W-r+cX'b9[0%u4%3q7rfkJE,A3botAO2$/i.o@!C'hn5s6s,iiea+"MV;\8*#72moT'&3^H_Eu1o7N-a,,/%2NN\k!o)+J0ru#sf1;>133c`eQ,^85rnA@+DN]p1%n>I"&/\hF=(P9Ve]b4ho3ZF12o:D.6(0/XJa\!"?'9-`@9P[rJ-(C77#+^UP;tq;uK!(hqJRtA$>ZJ('_%&k+phn64;Ih./6pWS2Rl-%%=qR1=iee%e-9HRa.,G;,47KpSo&Z1k`84K9cWTO-lNL-u]tn79N6+8g4=@`Sq-<9T'_VG\YsN4>r7Dlf)nf'&LW18D'EH+mr\/5O=XFdZA^"b1h_P8%fm)R*F3L'JCP8J2kSQ.jPsa[=:4sraU%a`k==[;4"NLrR9%V')kVc##X1T)GIrc"1T)'tb;c9``Z\Ut:&U9%Mk2`KS&[j2eteT"sj>k[%^P'EB([O!N\L#4#ZAM"6'[HXU*.rYTso/ki>pie?,eYeBM`nFZLn=7VaB#K&c)k>0?VB3[+ZeJF>OcFT<=*26C.C22d?.o]DFn7`mfho"`V1mpr_g`N^u.'WeIP#i[%/5DQ4c'8R`4W!/mX8j,fTY8sJEQ!%568C^nk,"?'BmJW5"4/\`3CSejfeD81Q%M$9]P/g[cn4Re+<(*G,aKUFgP1MsI&B2KUm4#@Q]D,6AEf:j6p5\:[FO&O!^$S,ucN?$$c!dB0Ca?P6)og_K#Ot"`!%p_n;p6]B@j[St!pL:PrH0ttj=2(UsH!Os^9]ilJU?/_)/NNA?+^ZRAPOe?!99k*Dn#B8!"_d7iA7^\,cjCJ^,/*KL^0#5d(`KA=,U[\^l56)=E4_OD#W^dr7eqrZ3F)uR!;o:q?0X8cOcLYPA$0E*ZMeZ[6RoC67PY3bK3gl++V?Fq72drN+%DZ:<"L"KLd7#QrL7<7+\F;S5dut*_OLq^hIq9&EWcN='?1Cl&3A5$I0"XhgX,n,k0MTr-b#rd_Q'G,&GZF@atQT^!`*C*R].?(j_l9\=hs]-`WTJA/fu@,+(*:jcnXL_[ST+W[tpD[jBqZt[TR3AP$Z)3dhQOhE;WK*FN%"G3V_JYaJ6HiJR4IEV_*c--*VPE)N_e>D&HJSNaIe0PeN&@71*HjqY5FGj[BbD;),ba,:p/;6+C8j@Z\Z"FmJ&\Z=(moEeD5HZd)MlcO02Id%M#Amm6<+"+#(%%&.r8Q]Dra3s5s0F6opsIf&O@C>F5!$.-*14`0>G:6ed?AOp-t@EFP3>`*s4Ti,Z10&C+5/P.+dp9s/+1@[cto"Vp](8U+GHn*'"S]]:qHdI/X!cDrM%?$58ap3n`aq=KE)bBG!,S_7fkXG1d:2hEp7gT^P.QFXJMW6MBc-KuaU6>`^Oq#XS6B3A`*&_FbMh@lUL5gR*\*7'*LG1LlJcZ(UXc31;R=KR8p3n_2.No8A!gS%pb7%jYDE$PLsRl2P&!-oWsrcs*4&8dBgXMOL+TorZ@`_9tHgR]e(!GN-`Q.5:;AKS8j&.I3ng[Tt<*TPiV-TF))#Lm'R#??uSVpW'mXkkC,Nn/_AS,XE"/]-ltJOA87o>A%Wqml'opT\`*1[q!9TY/RC\f$oS4ChtpQMiALk24lH3#g#c%_#+Lo["%5LZX0N5W$`U,nL2PC8;!^lP%b>(D9&54'mT`$@eHY*3ZPe`=8+D6mVChAb;N`J&G8tg9]:?X`.ZM;c3`j$R(7<9!([\`[q_n]2quZ>5,B:oN0Q_#"2iEF_fSu>.-qEK0.\C30@t2>ld3,1B&d/_.6k%iDeS4?#iaP;?3XSW4pLujJA/.L"kVqL^1f'$se4q45Ll\10!(>$(KAO0.CK\j<YW$7kRB\aAIDr#+f4@lI"'6sN)bW.+ucg8'*4f<`7pqC8kWl$Kr%oM?-_/YI5LH-[^Wb?eG3f=_Yg5HZh(Zp")e#X2m>/G^>\P5p$aGK'5`,dh!e3fWGJiQ%A`I/1bk!g3;tM]JPB]JX34^0o@D^&>9?i2FFHs)\g"/9NGV8$`3uW.LVD`%S9Go!/.f$h^2QK"%AY%\bd?X>VAZ?%-W6?m;;!M8pt9JLReA>BcPc8jjPSrdhgI/GJgF5]:Zq((.il1t&(kX"Nr~>endstream endobj 20 0 obj << /Filter [ /ASCII85Decode /FlateDecode ] /Length 864 >> stream Gb!;b9lHLd&A@sBb`PluH9YOl\k*o2C6T65C8JKH%-rSf5dOigrV)jg;Qq@C[*DmkIHGpVSMe[3dj*AFH^W%KBA10g$-m^tk_Sti-)2q[55rbr5W(@[QQkpg;-H\W5*PN;PI<^5b=>6l'@/f5-+drbX'timfB8iL_qaC=;+a-3GdAE,.)-iWYfOPHS$+m@tAULW(LHi120_X;JP"F9u]Spt_PBsmMl@W\CPQ)COI:'HhtS(Er(l"bcK2T?LZb7c^SqO!q5KQ`gDP]BlF*]c0c[2f=hM=d!tkMa84BgM@tG2#asV+p&tj^GL85,h.M;r#u;\7mlHf94dSou81[`fniYi"2.>2n($"f^HW/+/pH(,_^DE[4D!+]a(E#>$feN_SbVW!WGIle%u99c`p1?=re=3lpb9(LETHOBmY+'-0FEL=I"QoD$g1*@b"\qBG/%"?*=PuTs4P:O`G@CL&ud)B$`Y0k^#_sS%odXTeGH%4D"7^5\BS;n!RE6&nckP&%G,iD=nb8W(jjonT7_&2ndFQV=Q7O'gd=(h[4sjW!j6H-I/b#&mfkK@"f511g&~>endstream endobj xref 0 21 0000000000 65535 f 0000000073 00000 n 0000000134 00000 n 0000000241 00000 n 0000000640 00000 n 0000000755 00000 n 0000000867 00000 n 0000000986 00000 n 0000001254 00000 n 0000001522 00000 n 0000001754 00000 n 0000001986 00000 n 0000002280 00000 n 0000002367 00000 n 0000002620 00000 n 0000002694 00000 n 0000002893 00000 n 0000003055 00000 n 0000003128 00000 n 0000006091 00000 n 0000009132 00000 n trailer << /ID [] % ReportLab generated PDF document -- digest (http://www.reportlab.com) /Info 13 0 R /Root 12 0 R /Size 21 >> startxref 10087 %%EOF