Can I buy just JTF Bonds or JTF Shares?

• Why do you need the money?

• Why don’t you raise the money from the bank?

• Can I buy just JTF Bonds or JTF Shares?

• How many JTF Bonds and JTF Shares can I apply for?

• What amount is being raised?

• Who can invest in JTF Bonds and JTF Shares?

• Can I pay by instalments or top up on my holding of JTF Bonds or JTF Shares?

• Can I change my mind?

• What return do I receive on my investment?

• Are JTF Bonds and JTF Shares transferable?

• How do I get my money out?

• Can I withdraw my money before the end of the initial 4-year term?

• Do I need to discuss the JTF Investment offer with a financial advisor?

• What happens if I die while I hold a JTF Bond or a JTF Share?

• Are JTF Bonds convertible into shares in the Company?

• How do I redeem my JTF Investment benefits?

• What happens if I do not use all the JTF Investment benefits I am entitled to each year?

• I would like to participate - what do I do now?

• How does the application period work?

• How do I know if my application has been successful?