(CMA Licensed Intermediary Service Platform Provider (ISPP) – Licence No. 276)

1. PURPOSE OF THIS DOCUMENT

This Key Investor Information Document provides important information about investment solutions offered through Rubiani Capital Limited.

It is intended to help clients understand:

• The nature of Rubiani Capital’s solutions;
• How the Rubiani platform works;
• Applicable fees and charges;
• Investment risks and liquidity considerations;
• The role of Rubiani Capital and its regulated investment partners; and
• Important information to consider before investing.

This document should be read together with the relevant solution information and documentation relating to the underlying investments selected for a client.

2. ABOUT RUBIANI CAPITAL

Rubiani Capital helps individuals, families and organisations invest with greater purpose, structure and clarity.

Our approach begins with understanding what the client wants their money to achieve, then identifying and facilitating suitable investment solutions through appropriately licensed investment partners.

Rubiani Capital operates as a CMA-licensed Intermediary Service Platform Provider (ISPP) and is non-custodial.

Rubiani does not act as the Fund Manager or Custodian of underlying investments. Investment management, execution and custody are undertaken by appropriately licensed and regulated third-party institutions, depending on the investment selected.

Rubiani’s role is to help clients navigate, structure, access, monitor and review investments in line with their financial objectives.

3. OUR SOLUTIONS

Rubiani Capital serves clients through three broad solution categories.

A. Goal-Based Investment Solutions

Designed for individuals seeking to build investments around specific financial objectives such as:

• Financial freedom;
• Passive income;
• Retirement; and
• Education.

These solutions help clients translate a future financial objective into a structured investment journey, supported by planning tools, regular investing and progress monitoring.

Detailed information on each solution, including applicable calculators and planning assumptions, is available on the respective product pages on the Rubiani Capital website.

B. Private Wealth Management

Designed for high-net-worth individuals and families seeking greater structure, diversification and ongoing oversight of accumulated wealth.

Private Wealth Management incorporates:

Portfolio Builder – bringing existing and new investments together into a coordinated portfolio aligned to liquidity, income, preservation, growth and longer-term wealth objectives.

Portfolio Optimizer – ongoing monitoring of relevant investment opportunities and, where appropriate, portfolio reallocation to maintain alignment with changing market conditions, liquidity requirements and client objectives.

Further information is available on the Private Wealth Management page.

C. Corporate Solutions

Designed to help businesses, institutions and organisations manage capital more intentionally.

Corporate Solutions include:

Rubiani Sustainability Fund – supporting organisations seeking to progressively build longer-term financial sustainability.

Rubiani Cash-Flow Management Fund – helping organisations put surplus or temporarily idle funds to work while maintaining appropriate liquidity for operational requirements.

Rubiani Profit Realisation Fund – helping businesses systematically separate, preserve and grow a portion of profits generated through their operations.

Further information is available on the Corporate Solutions page.

4. HOW INVESTING THROUGH RUBIANI WORKS

While the structure will vary depending on the client and solution selected, the investment journey generally involves:

Understand → Assess → Structure → Invest → Monitor → Review

Rubiani Capital considers relevant factors including:

• Client objectives;
• Investment horizon;
• Risk profile;
• Liquidity requirements;
• Income requirements;
• Existing investments;
• Capital preservation needs; and
• Applicable client-specific considerations.

Suitable underlying investments are then identified from regulated investment providers.

Depending on the solution and client circumstances, underlying investments may include collective investment schemes, Treasury products, fixed-income investments and other appropriate regulated investment opportunities.

Private Wealth portfolios may incorporate a broader range of investments where suitable.

5. FEES AND CHARGES

Rubiani Capital fees depend on the solution selected.

Solution	Rubiani Capital Fee
Goal-Based Investment Solutions	1.00% p.a. of Assets Under Management (AUM)
Private Wealth Management	0.50% p.a. of Assets Under Management (AUM)
Corporate Solutions	To be negotiated and agreed with the client

Underlying investment products may have separate charges including, where applicable:

• Fund management fees;
• Trustee or custodian charges;
• Transaction or brokerage charges;
• Banking charges;
• Statutory or regulatory levies; and
• Applicable taxes.

Such charges depend on the underlying investment selected and may reduce the investor’s net return.

Where Rubiani Capital receives any applicable remuneration from an underlying service provider, this will be disclosed in accordance with applicable requirements.

6. INVESTMENT RETURNS AND PROJECTIONS

Investment returns are not guaranteed.

Actual returns depend on the performance of the underlying investments and may be affected by market conditions, interest rates, investment duration, credit conditions, fees, taxation and other factors.

Where Rubiani calculators, illustrations or planning tools use assumed rates of return, these assumptions are provided solely to assist financial planning.

They are illustrative projections and are not promises or guarantees of future investment performance.

Past performance does not guarantee future performance.

7. KEY INVESTMENT RISKS

All investments involve risk. The risks applicable to each client will depend on the underlying investments selected.

Key risks may include:

Capital and Market Risk
Investment values may rise or fall, and an investor may receive less than the amount originally invested.

Interest Rate and Reinvestment Risk
Changes in interest rates may affect investment values and returns, while maturing investments may need to be reinvested at lower prevailing rates.

Credit and Counterparty Risk
An issuer or other counterparty may fail to meet its financial obligations.

Liquidity Risk
Certain investments may not be immediately redeemable when funds are required.

Concentration Risk
Excessive exposure to a particular investment, asset class, issuer, provider or currency may increase portfolio risk.

Currency Risk
Where foreign-currency investments are held, exchange-rate movements may affect investment value and returns.

Inflation Risk
Future investment income or capital may have lower purchasing power as prices increase.

Third-Party and Operational Risk
Investment outcomes or transaction processing may be affected by the operations, systems or performance of Fund Managers, custodians, banks, technology providers and other service providers.

Regulatory and Tax Risk
Changes in laws, regulations or taxation may affect investments, investment structures or returns.

Diversification may help manage certain risks but does not eliminate investment risk or guarantee positive returns.

8. LIQUIDITY AND WITHDRAWALS

Liquidity depends on the underlying investment selected.

Different investments may have different:

• Redemption periods;
• Settlement timelines;
• Maturity dates;
• Lock-in requirements; or
• Early withdrawal conditions.

Rubiani Capital considers anticipated liquidity requirements when structuring investment solutions and facilitates valid redemption instructions in accordance with the terms of the relevant underlying investment provider.

Clients should understand the liquidity terms applicable to an investment before committing funds.

9. CLIENT ASSET PROTECTION

Rubiani Capital operates a non-custodial model.

Client investment assets do not form part of Rubiani Capital’s own operational assets.

Fund management, investment execution and custody functions are undertaken through the relevant appropriately licensed and regulated institutions.

Rubiani Capital maintains appropriate operational controls, client records and reconciliations to support the accurate identification and administration of client investments.

10. SUITABILITY, KYC AND CLIENT INFORMATION

Before investment, clients are required to complete the applicable onboarding, Know Your Customer (KYC), Anti-Money Laundering and suitability requirements.

Clients should provide complete and accurate information regarding their:

• Identity and source of funds;
• Investment objectives;
• Financial circumstances;
• Investment horizon;
• Liquidity requirements; and
• Risk tolerance.

Clients should inform Rubiani Capital whenever there is a material change in their circumstances or investment objectives.

Corporate and institutional clients may additionally be required to provide appropriate constitutional documents, tax information, beneficial ownership information, governing-body resolutions and authorised signatory mandates.

11. TAXATION

Investment income may be subject to taxation in accordance with prevailing Kenyan tax legislation and the nature of the underlying investment.

Tax treatment may differ between:

• Individual investors;
• Corporate investors;
• Tax-exempt entities; and
• Different investment products.

Where applicable, taxes may be withheld by the relevant underlying investment provider.

Clients are responsible for providing accurate and current tax information and any supporting documentation required to establish their applicable tax status.

Clients with complex tax circumstances should obtain independent tax advice.

12. MONITORING AND REVIEW

Rubiani Capital supports ongoing monitoring of investments with consideration to factors including:

• Progress towards the client’s objective;
• Investment performance;
• Liquidity;
• Portfolio concentration;
• Changes in market conditions;
• Changes in the client’s circumstances; and
• Relevant investment opportunities.

Where appropriate, changes to the investment structure may be recommended or facilitated, subject to the client’s authority and the terms of the underlying investment.

The objective is to help the client remain aligned to the purpose for which the investment was established.

13. ROLES AND RESPONSIBILITIES

Rubiani Capital Limited

Rubiani Capital facilitates the client investment journey, including:

• Goal and needs assessment;
• Access to appropriately licensed investment providers;
• Investment monitoring;
• Client reporting and support;
• Facilitation of authorised investment and redemption instructions; and
• Periodic review of the client’s investment journey.

Underlying Investment Providers

Depending on the investment, licensed Fund Managers, Investment Banks, custodians and other regulated institutions remain responsible for functions including:

• Trade or investment execution;
• Asset custody;
• Valuation and unitisation where applicable; and
• Other responsibilities attaching to the relevant regulated institution.

Clients should also review the documentation issued by the underlying investment provider.

14. IMPORTANT INFORMATION FOR INVESTORS

Before investing, clients should ensure that they:

• Understand the objective of the selected solution;
• Understand the applicable risks;
• Understand liquidity and withdrawal terms;
• Understand applicable fees and charges;
• Provide accurate information for suitability assessment; and
• Review relevant underlying investment documentation.

Investment decisions should reflect the client’s objectives, financial circumstances, investment horizon and capacity to bear risk.

15. REGULATORY INFORMATION

Rubiani Capital Limited
Intermediary Service Platform Provider (ISPP) – Licence No. 276
Licensed and regulated by the Capital Markets Authority of Kenya

For information on individual solutions, underlying investment arrangements, fees, complaints or other client matters, please contact:

Rubiani Capital Limited
Email: invest@rubianiwealth.com

Further information, including individual solution pages, calculators, Terms & Conditions and Privacy Policy, is available on the Rubiani Capital website.

IMPORTANT NOTICE

This document provides general information about Rubiani Capital’s investment solutions and should not be read in isolation from the specific terms applicable to an underlying investment.

This document is not an offer, guarantee of investment returns or assurance against investment loss.

Investments involve risk. Investment values and returns may rise or fall, and investors may receive less than the amount originally invested.

Historical performance does not guarantee future performance, and projected returns are illustrative only.

The suitability of an investment depends on the individual client’s objectives, circumstances, investment horizon, liquidity requirements and risk profile.

Clients should review all relevant information and underlying investment documentation before making an investment decision.

Document Version: 2026001
Effective Date: 28^th February 2026