%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:20260418110550-02'00') /Creator (\(unspecified\)) /Keywords () /ModDate (D:20260418110550-02'00') /Producer (xhtml2pdf <https://github.com/xhtml2pdf/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 2864
>>
stream
GauHLflGh,(4GpYi6b-82#!j(S>=u3l,b]CWd8F&0+\GH8@UVZ.?CChj6'ZtUdTKjd[_G[b$#)10'D#20Bb,,0@0RBCW9[6g#]W^4J+4WbR9u'/cX+F?ClS_b@S:e?CtM0\#TF?]5mHf9VWfXe&%/T*j<7.&OhkoI[ha#5P!L^p?WlGI67$)COYOO@3!9<a]um4Jq3Q9RH(ha(4473r$]dVg71$&mK\aoYp`/6..n6s@D=>/eh78pY]06h21GFdf;$=#8Kr?:3\LAVAFArUq/:_+Z8<!Zjc4NWV?D196d@9!k!cWm-EKcd1.KM]D:nZR[_Am)LS''']O8o9m$p64p>;dO?!dEWY34EBiCtqM`>1dWAM,fdf6!aej@1u:@)):c0?n@WQP?`"oKg(K$sE:UV\7p:BCm@u6ihaA(<:I#i*EMnIa>Zk?/6u50d"%FrOnTeFl<6tS-aD0fj4<Ug$jp[q;hPM4q#9SS0/88(od0h(s"m=#q<W8[pU<D<F;u#CVb+"f3I,ffkfDX/"6upbONT$Bt'fcKOVSCfI&+/Hn9f(kZE&Ng&&2h'u882!eOm?g!G@1pW"tW_F52'([_r],njO7o)PCgXKV*UbR::*NYdJ-)`&iK,<&8`P@UqfU__LDf:909.HK)Zj+u1V08sCD64_eMC@;G#RWenS*S7A,>SVdLF]e0R]g`11G&=rF3fp[`JZK$%h(&+h\U@BC<WZn3e&e<'+gUf`W!<@#EC9h*@#9jnUHka8T"K#kj!BP%$6D3a)a#6*WYRfn-L=ft7"=!4\(dG'"!K#?kNq=n-Y;>&U@.0_:9;GM-e/7PkPrBt9'G"F`m+328(H5`oh)0TR&N^MLEO,!JdX6EAAA*/!t0!Q]_j"Y4MJUl*;:?+Fqf@VXM3kNQE@k7HBCj'^H9<fQci9Aj9o+kOkEL<%BFj3Z'@S<is!&Y?"s'p?SbN)TK4M"Y]kIaPq)ceD>-niH`2mkF32\u\Q%sC48,Qi,Qf7)(WVV6JAU/m!Z]LbE(!iP@^_=(6F[]2?kB@]bZl6.;4PXW<HX=lY'JmgP8t)0B?U')3ZOteR#Vl+SeaC2\gk-dP=e\t;=@So-mU[G8YWBYNWf`O^ipCaNUOn]-hb6j$7`Zj"eA?!>#/Ag@0;]*e!tk!NDR.U#5"SehOkkc]UMVEB%n'1R?rOTQJS-Y<3l.5h5a$1P&qN[n:E4D/%*l!gnMkei.f16>mE?7DJ!SWSu]&VNndgHG@'\(Jd\+NN]l1!,[\YcG5#P4HL]+[./Ma1#b,'!CJ>i6YHk0%-?H?VL,Q!1eXCK[>9p'Z`OmtMXXhnqNTOaQ\abLZqB68SfK&%mn%pLJ'D.lA*/"i.p)fb^GlDi\g:f"ZaEuPp8gqq?`M&%#f5@\F5puuO_l'pt%+Sg&(jk"hl1_8q/*b[OY&%7k()p+EgN7b>V=R9oo`$r4]4$:,ll+>P!l"W/Tdd;4PprrCD;&=D*E'-^2J[`H*!XNWJ`A.HnMJ!B@?A&W"!?i&b?<c)"TO8:78cds-7[M(Whs4;n&e\)apP$9Tt;G4!bQ*o_gIt!T-C0pYt$DC)MqC0c"]PX7*h$W&`!gKC(_!Y6FZn#n2foAa$_Kn_.mj(c*q"/.JBG5/2gBn+UA>0*Pc<^BS\G-YG/;e88]*Ui%o&ST)7MYR6)g\Ar5'K_5ZnOkSnTG^s-r*IeBcrdm[B-Gspg608uu*@pXU!-8JolG!A*#EZl+u`(m)'Y'MZ=@J#TM7fh)KP7ifN<qju8A-dHe,E(BK]CCou]/a4Lhd%C+SEt2>;OF%\#<3t+J*I#Zo\;.ENYfRe?BGe(Mj<Q6;r@6R[i*eneig=XETf[bCGr@i#)2J7$*d%+VX5FY_U/&9:_l#C"@#QB".I-aK$gk;<YHjE#@+0%.@YbrIc'LS6;FbEN]:j#!&K?P*$9oUg]`X3%eOK(\P^OPRds=RL<OS#X9ErFG09(9eNu"CeQU'7o'qRD>E#sV75V265=<WcC^l97-dOeI^^*9Xp:ZQ52pT@Vh=:O;<IaOiG;0&tglucU=2m2T[C:oD)^W<_T^L(OdWa@BI`fa%o7Mn;U+n[X[iF%j9QWMpmaK/t)D<2u`.%lc2<AX4KdC.C#*64P]ki7=6t/>N[i+aU4`<9=D#ehfM'`ZTrX%l'SJ>778+nc&VB_f,]E_&TTY3W(a,/?8;%`1uI:8)u6#Eb@*uFP]MF7:/C&)EUl*09SHar[)ek$8R3<sFY6c.sLRD9ebCD>f;:I`+c-',GZ[KhJKNVNe-2F+6c6cdCInA69bO5iS%/5naZ'>/$WR_kF_j#^Q[#$.FhS`$G2dHk7`LZWVu=c!b3=Djb0.DAX\8E9]K_=&Zg;r0fY9X?FY_p/!r&/ca.h\EI4R;^YSeb2+b!-_J%2Xfs/6?1I"ic`DM#@JdA_bY@1L40j6l(Aj'\0_-lK^V^_5`(LheH_[SCo'OfmS/)(ClrM@)(7OL%Dod[BsBB^.[n:4bu@p#p(+NFN5mu)1A.s"0[KX$7ft,qK.utZpY1a"<AmM#K/B9$mGh<L/.eQl<QhhFP^*G`jLI)M)09'PRW%CeXsQ,F7m*;S*#o1Cd'f?VUDg%qcE@2;,qMVs1Ml%,#3X4qIbk<be&fr=O#8pA>UQ4(eBd:(RDZpPPWp&'d/-Hio\BW`a_?Nc+UBkuI^-dTVTFH'D@P7e\J_FLqFV.^.8fP'GUr"O,gd=Sp5qY*%O;#s\e`8Y>RO]%Q??u8jJ'.&YpSS1-bf;A#%jrOfo_2WoV'Gq*Aj1>"G'rT=&()tJmsKZ2^_Rh76[@uJ6K'04@)N73'<&=#2[k<g.fU!s3<-R+>)in\:,b4;f7O>QoklkcGuh#;qTe'!,t09;#~>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<Hh2*.V+IQDqfnVX'YX9L?P*I-3R-:u]>&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$>ZJ('_%&k+phn64;Ih./6pWS2Rl-%%=qR1=iee%e-9HRa.,G;,47KpSo&Z1k`84K9cWTO-lNL-u]tn79N6+8g4=@`Sq-<9T'_VG\YsN4>r7Dlf)nf'&LW18D'EH+mr\/5O=XFdZA^"b1h_P8%fm)R*F3L'JCP8J2kSQ.jPsa[=:4sraU%a`k==[;4"NLrR9%V')kVc#<VCmS.hth-m1V5?(Em4`]h4CdZ6_:3]AG/1Q_U9-iX$InMl>#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?VB<i=5*k)s>3[+ZeJF>OcFT<=*26<YY+FETa.O"d->C.C22d?.o]DFn7`mfho"`V1mpr<uh5gP+A")(QS$_?$C6&J;q/?g\%R];OYM4[`o9`\i`??rcZZtp#FS_0Al;;aoZ)`J<Ei&srSWB7!8rta&G0fMDuJ_(6(EQD'1$aUi::s8]gI^c4)1>_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[\^l5<OnT112*lG01R1ah(g+K3,PH.@L%S4`piq9X)saT;q"@^KFgm<slrYM3]t?*XBC^\d<6bdqnCs)>6)=E4_OD#W^dr7eqrZ3F)uR!;o:q?0X8cOcLYPA$0E*ZMeZ[6RoC67PY3bK3gl++V?Fq72drN+%DZ:<<o&KUVE=LU()d:55"D3*$%B<se,P!@o(lrKt;.X1u"4bRXm.*WjVplO'01))uJ76@_kX;\V77-HE\2.`WQbb(Uj=h%upc=,:Y9/bgFhU'6QmHKraCD6caXJLtH4pSo`EC(;BEaJ<Y;hAnPN>"L"KLd7#QrL7<7+\F;S5dut*_OLq^hIq9&EWcN='?1Cl&3A5$I0"<GpATl;(o._CmR"^8)spog]3HU>XhgX,n,k0MTr-b#rd_Q'G,&GZF@atQT^!`*C*R].?(j_l9\=hs]-`WTJA/fu@,+(*:jcnXL_[ST+W[tpD[jBqZt[TR3AP$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<lX"2'>@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$oS4ChtpQMiALk24lH3#g#c%_#+Lo["%5LZX0<VF5/1+:+r)8F1k=MTqO"lbHb8XJ"i6)n$d0Xt:\O1P7FCcZW,@dtVrK-uo#C'#0T;OHW&G4..GOUflA/<>N5W$`U,nL2PC8;!^lP%b>(D9&54'mT`$@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"<T@BFE.]M&"BlIu'o/67]Z&0hlg%WI^[p1'M*4(Z(0imaG(o6B`a?i.2GC^jW:hlS7)LHE*CJTS$5H5Ze6Cs-Z>kVqL^1f'$se4q45Ll\10!(>$(KAO0.CK\j<<l3^i.@0Q?#)I)0sZcopEF9>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$h^2QK"%AY%\bd?X>VAZ?%-W6?m;;!M8pt9JLReA>BcPc8jjPSrdhgI/GJgF5]:Zq((.il1t&(kX"Nr~>endstream
endobj
20 0 obj
<<
/Filter [ /ASCII85Decode /FlateDecode ] /Length 864
>>
stream
Gb!;b9lHLd&A@sBb`PluH9YOl\k*o2C6T65C8JKH%-rSf5dOigrV)jg;Qq@C[<nmSQ!g"#L,X&-/B`S'@/cT1!$CAXSha[njssi&8=4m]:\2CY%LW/*MnsXAg#?eT,cR)lb0i,h\-eF=`F<[>*DmkIHGpVSMe[3dj*AFH^W%KBA10g$-m^tk_Sti-)2q[55rbr5W(@[QQkpg;-H\W5*PN;PI<^5b=>6l'@/f5-+drbX'timfB8iL_qaC=;+a-3GdAE,.)-iWYfOPHS<G%n-iP!GnB`kEY_IV+X<]7-U#1L4YatuW/RBbL/2)X1CC7AkUerZ+61liumE,U2-;k('aRXC#W,H,D96P,0+/^?KNnWa'.&hJX1ZZZ>$+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<ST@KFN9Uj7dUrKEk_T;Rt;\TA4VP<AJ')`].'&8$teb!.GbD-G'#K#@WE':,J$k>;r#u;\7mlHf94dSou81[`fniYi"2.>2n($"f^HW/+/pH(,_^DE[4D!<K+]Ph`%f;30I8>+]<JVLFl2a/LWh,!8=)E5IIaI>a(E#>$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 
0000006084 00000 n 
0000009125 00000 n 
trailer
<<
/ID 
[<e49e2fb23deb6ebfa15cdeb8ebb54cb8><e49e2fb23deb6ebfa15cdeb8ebb54cb8>]
% ReportLab generated PDF document -- digest (http://www.reportlab.com)

/Info 13 0 R
/Root 12 0 R
/Size 21
>>
startxref
10080
%%EOF