Acceptance of Terms

By downloading, installing, or using the PINE App, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use the App.

These Terms and Conditions apply to all users of PINE App, which is owned and operated by Pinefields Investment Services Ltd.

Eligibility

To use PINE App, you must:

• Be 18 years of age or older
• Be a registered client of Pinefields Investment Services Ltd
• Have a valid Client ID and registered email address
• Have a valid CSCS (Central Securities Clearing System) account number

Pinefields Investment Services Ltd reserves the right to deny access to any user who does not meet these requirements.

Account Access and Security

Your PINE App account is personal and non-transferable. You are responsible for:

• Keeping your login credentials (email and Client ID) confidential
• All activities that occur under your account
• Notifying Pinefields Investment Services Ltd immediately of any unauthorized use of your account

Pinefields Investment Services Ltd is not liable for any loss or damage arising from your failure to protect your login credentials.

Use of the App

PINE App is provided exclusively for the following purposes:

• Viewing your statement of account
• Printing bought and sold contract notes
• Viewing your investment portfolio
• Viewing trading history
• Submitting and viewing jobbing book orders
• Viewing your certificates and depository reports
• Accessing the NGX daily price list

You agree not to use the App for any unlawful purpose or in any way that could damage, disable, or impair the App or its servers.

Investment Disclaimer

The information provided through PINE App is for informational purposes only and does not constitute financial or investment advice.

All investment decisions are made at your own risk. Pinefields Investment Services Ltd is not responsible for any financial losses arising from the use of information displayed in the App.

Past performance of stocks or investments does not guarantee future results.

Intellectual Property

All content, design, graphics, logos, and features of PINE App are the exclusive property of Pinefields Investment Services Ltd. You may not copy, reproduce, distribute, or create derivative works from any part of the App without prior written permission.

Limitation of Liability

Pinefields Investment Services Ltd shall not be liable for:

• Any interruption or unavailability of the App due to technical issues or maintenance
• Any loss of data due to technical failures beyond our control
• Any unauthorized access to your account resulting from your own negligence
• Any investment losses resulting from the use of information displayed in the App

Termination of Access

Pinefields Investment Services Ltd reserves the right to suspend or terminate your access to PINE App at any time, without notice, if:

• You violate any of these Terms and Conditions
• Your client account with Pinefields Investment Services Ltd is closed or suspended
• We detect any fraudulent or unauthorized activity on your account

Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any disputes arising from the use of PINE App shall be subject to the exclusive jurisdiction of the Nigerian courts.

Effective Date: April 2026

Contact Us

If you have any questions about these Terms and Conditions, please contact us:

• Pinefields Investment Services Ltd
• 08033869733, 08039445057, 08037262546
• CSS Bookshop House, 11th Floor, 50/52 Broad Street, Lagos
• 30, Jubilee Road, Aba, Abia State
• pinefieldsltd.com