LAND REPUBLIC LIMITED (RC 1866130)

PAYMENT PROTECTION AND REFUND POLICY

Effective Date: 1 September 2026 | Version: 4.0 | Jurisdiction: Federal Republic of Nigeria

Governing Legal Framework

This Policy is construed pursuant to the following Nigerian statutes:

• Federal Competition and Consumer Protection Act (FCCPA) 2018

• Land Use Act 1978, Cap. L5, LFN 2004

• Companies and Allied Matters Act (CAMA) 2020

• Estate Surveyors and Valuers (Registration etc.) Act, Cap. E13, LFN 2004

• Value Added Tax Act (VATA) 2021 and Finance Act 2023

• Stamp Duties Act, Cap. S8, LFN 2004 and Finance Act 2020

• EFCC (Establishment) Act 2004 and Money Laundering (Prevention and Prohibition) Act 2022

• CBN Regulations on Electronic Payments and Fund Transfers

• Investments and Securities Act (ISA) 2007

• Arbitration and Mediation Act 2023

• Evidence Act 2011, Cap. E14, LFN 2004

• Land Instruments Registration Law (applicable State)

• Consumer Protection Council Act, Cap. C25, LFN 2004

1. PRELIMINARY PROVISIONS

1.1 Purpose and Scope

This Payment Protection and Refund Policy ("this Policy") is issued by Land Republic Limited, a company incorporated under the Companies and Allied Matters Act (CAMA) 2020 with registration number RC 1866130, with its registered address at 20 Ibrahim Odofin Street, Idado Estate, Lekki, Lagos State, Nigeria. This Policy governs all rights and obligations of purchasers in connection with payment protection, cancellation, and refund entitlements arising from landed property transactions, and from shop and commercial unit transactions, with Land Republic Limited.

This Policy applies to all purchases executed through Land Republic Limited's official digital platforms, physical offices, and through all authorised agents, Land Hackers, and Sales Assistants. It is incorporated by reference into and forms an inseparable part of every Subscription Agreement executed with the Company. Where a provision of this Policy applies differently to Land Products than it applies to shops and commercial units, that distinction is set out expressly in Sections 3, 4, and 5 below; save for such express distinctions, every other provision of this Policy applies equally to both.

Mandatory Pre-Sale Disclosure (FCCPA 2018, Section 110)

The following material facts are disclosed to every Buyer prior to, and as a condition of, the execution of any Subscription Agreement or payment of any consideration to Land Republic Limited:

1. Land Republic Limited operates a commission-based sales model. All product sales facilitated through registered agents, Land Hackers, or Sales Assistants attract a sales commission of the purchase price where the Product is a Land Product or Commercial Product (commercial use: shops, apartments, and commercial units). This commission is disbursed by the Company to the procuring agent upon confirmation of the Buyer's order.

2. This commission is a disclosed, non-refundable acquisition cost that is deducted from any refund payable to the Buyer upon cancellation of a Confirmed Order. It is not a penalty. It represents compensation for a service (procurement of the transaction) that has been fully rendered at the point of Order Confirmation.

3. The Buyer's execution of the Subscription Agreement constitutes express acknowledgement of and consent to this commission structure and its effect on refund calculations.

1.2 Definitions

In this Policy the following definitions apply unless context requires otherwise:

• "Acquisition Commission" means the sales commission disbursed by Land Republic Limited to a procuring Agent, Land Hacker, or Sales Assistant upon confirmation of a Buyer's Order, as more particularly described in the Mandatory Pre-Sale Disclosure above.
• "Admin Fee" means the operational and processing cost charged by the Company on cancellation of a Confirmed Order, over and above the Acquisition Commission, as set out in the Cancellation Fee Schedule in Section 4.4.
• "Agent" means any registered real estate agent, Land Hacker, or Sales Assistant authorised by Land Republic Limited to market and sell its Products.
• "Buyer" or "Subscriber" means the individual, company, or legal entity that has executed a Subscription Agreement or purchased a Product from Land Republic Limited.
• "Commercial Product" means any shop, apartments, houses, commercial unit, or commercial project space offered for sale by Land Republic Limited (commercial use: this term is used throughout this Policy specifically to refer to shops, houses, apartments and commercial units, as distinguished from Land Products, wherever the two are treated differently under Sections 3, 4, and 5 of this Policy).
• "Confirmed Order" means an order reviewed, accepted, and communicated as serviceable by the Customer Experience Team within the applicable Cooling-Off Period following receipt of payment and completed subscription documents.
• "Cooling-Off Period" means: (a) in respect of a Land Product, the 48-hour window from time of payment and submission of subscription forms, during which an order is on hold pending confirmation; and (b) in respect of a Commercial Product, the 24-hour window from time of payment and submission of subscription forms, during which an order is on hold pending confirmation.
• "Direct Purchase" means a purchase made by a Buyer directly with Land Republic Limited without the involvement of any Agent, Land Hacker, or Sales Assistant, and in respect of which no Acquisition Commission is payable.
• "Force Majeure Event" means any event beyond the Company's reasonable control including acts of God, natural disaster, war, insurrection, civil unrest, pandemic, government action, revocation of title under the Land Use Act 1978, or compulsory acquisition by a competent authority.
• "Land Product" means any immovable landed property, plot, parcel, or estate unit offered for sale by Land Republic Limited, whether on an outright or installment purchase basis.
• "Order Value" means the total cumulative sum paid by the Buyer in respect of the Product at the time the refund request is received, exclusive of any taxes or statutory charges paid directly by the Buyer to a government authority or expressly excluded costs at the time of purchase.
• "Product" means, collectively, any Land Product or Commercial Product offered for sale by Land Republic Limited, whether on an outright or installment purchase basis.
• "Refund Window" means the 90-day period commencing from the date of first payment or first installment payment. This 90-day Refund Window applies to both Land Products and Commercial Products, subject to the Extended Refund Window applicable to Land Products only under Section 4.4, Table A-1.
• "Statutory Charges" means all government-imposed levies, fees, taxes, and duties including but not limited to Value Added Tax (VAT), Stamp Duties, Land Use Charge, Capital Gains Tax, and Registration Fees, that have been incurred in processing the transaction.
• "Title" means legal ownership evidenced by a Certificate of Occupancy, Deed of Assignment, Governor's Consent, or other valid title instrument under Nigerian law.

2. PRE-PURCHASE OBLIGATIONS AND BUYER ACKNOWLEDGEMENTS

Every Buyer is required, and by executing the Subscription Agreement is deemed, to have:

1. Read, understood, and accepted the terms of this Policy and the Subscription Agreement in their entirety prior to making any payment.
2. Received, reviewed, and acknowledged the Mandatory Pre-Sale Disclosure in Section 1.2 above, including the applicable Acquisition Commission structure and its effect on refund entitlements.
3. Conducted or been afforded the opportunity to conduct independent legal and survey due diligence on the title, encumbrances, and survey plan of the Product.
4. Received and reviewed the property specification, location data, and any marketing materials furnished by the Company or its Agent.
5. Had the opportunity to seek independent legal advice before execution of the Subscription Agreement.

The Company's reliance on the executed Subscription Agreement as evidence of these acknowledgements is expressly preserved pursuant to Sections 129 to 132 of the Evidence Act 2011.

3. COOLING-OFF PERIOD AND ORDER CONFIRMATION

3.1 The Cooling-Off Period

All payments received shall be held in a designated suspense account and shall not be disbursed, applied to purchase, or applied against any Agent's commission, until the Company's Customer Experience Team has confirmed the Order. This review period shall not exceed 24 (twenty-four) hours from the date and time of payment and submission of completed subscription documentation, where the Product is a Land Product; or where the Product is a Commercial Product.

During the Cooling-Off Period:

• No Acquisition Commission is disbursed to any Agent.
• The Buyer may request amendments to the Order including name corrections, property unit, plot size, and payment plan structure, subject to availability.
• The Buyer may cancel the Order and obtain a FULL REFUND of 100% of all payments made, with no deduction whatsoever, provided the cancellation request is received and acknowledged before the Order is confirmed.

3.2 Effect of Order Confirmation

Upon Order Confirmation, the Company disburses the Acquisition Commission to the procuring Agent. From this point, the full refund entitlement of 100% is no longer available and cancellations are subject to the Cancellation Fee Schedule in Section 4.4. The Company shall notify the Buyer of Order Confirmation in writing.

Where an Order is found unserviceable on review, the Buyer shall be entitled to either amend the Order to a serviceable Product or receive a refund, less only administrative deduction.

4. CANCELLATION AND REFUND

4.1 Refund Window

Subject to the conditions in this Policy, a Buyer may submit a refund request within 90 (ninety) days from the date of first payment or first installment. This 90-day Refund Window applies equally to Land Products and Commercial Products. No refund application shall be entertained after the expiry of the Refund Window, except: (a) in the case of a Land Product, in accordance with the Extended Refund Window set out in Section 4.4, Table A-1; or (b) in the case of a land or Commercial Product, at the Company's sole and absolute discretion subject to Board approval, in accordance with Section 4.4, Table B-1.

4.2 Grounds for Refund

A refund shall be considered and processed where any of the following are established to the Company's reasonable satisfaction:

• The Product materially fails to correspond with its advertised specifications, description, or survey plan.
• The Product is encumbered by an undisclosed third-party interest, adverse claim, or defect in title.
• The Company is unable to deliver title or effect allocation within the period stipulated in the Subscription Agreement and same not communicated.
• A government authority issues a directive that fundamentally prevents the Buyer from taking possession or benefiting from the Product, not a force majure.
• The Buyer exercises a valid cancellation right during the Cooling-Off Period.
• The Company fails to confirm or decline the Order within the 48-hour (or, for Commercial Products, 24-hour) Cooling-Off Period, in which case the Buyer shall be entitled to a full refund.

4.2A Conditions Triggering a Refund

Without limiting the grounds set out in Section 4.2 above, and in order to give every Buyer clear, upfront, and unambiguous notice of the reasons and conditions under which a refund will be issued, a refund shall be issued to the Buyer in any of the following circumstances:

1. The Buyer voluntarily cancels an order for which advance money or a deposit has been paid toward a Land Product or a Commercial Product, subject to the deductions set out in the applicable Cancellation Fee Schedule at Section 4.4.
2. Land Republic Limited is unable to complete the transaction - including allocation, title delivery, or performance of its obligations under the agreed payment plan or payment structure - within the timeframe stipulated in the Subscription Agreement.
3. The Buyer is unable to complete payment under the agreed payment plan or payment structure, and the resulting cancellation falls within the Refund Window, subject to the Cancellation Fee Schedule and Section 6.2 (Buyer Default) where applicable.
4. Any other reason whatsoever that the Company, at its reasonable discretion, determines warrants a refund, including but not limited to the grounds already listed in Section 4.2.

This clause is included so as to ensure that every Buyer is given clear, upfront notice of the reasons and the conditions under which a refund will be issued, consistent with the Company's disclosure obligations under the FCCPA 2018. For the avoidance of doubt, this clause does not create an entitlement to a refund outside the conditions, timeframes, and deduction schedules set out elsewhere in this Policy; it is a transparency provision that consolidates and clarifies the circumstances already contemplated by this Policy.

4.3 Refund Procedure

To exercise a right to a refund, the Buyer must strictly comply with the following:

1. Submit a formal written refund request to the Customer Experience Manager, Land Republic Limited, delivered by either: (a) email to support@landrepublic.co; or (b) physical delivery to the Company's principal place of business at 20 Ibrahim Odofin Street, Idado Estate, Lekki, Lagos State, duly acknowledged with a written receipt.
2. The request must contain: full legal name; account and transaction details; Order/Subscription reference number; original receipts and proof of all payments made; copy of the executed Subscription Agreement, contract of sale; and a clear statement of grounds.
3. The Company shall acknowledge receipt of the refund request within 5 (five) business days.
4. The Company shall complete its investigation and communicate a written determination within 7 (seven) days of acknowledgement. Additional documentation may be requested during this period.
5. All approved refunds shall be paid no later than 90 (ninety) days from the date of the Company's written approval letter, after deduction of applicable amounts under Section 4.4.
6. Payment Channel: All refunds shall be paid to the SAME bank account, card, or payment channel from which the original payment was received. Refunds to third-party accounts, cryptocurrency wallets, or unverified channels shall not be processed, in compliance with the Money Laundering (Prevention and Prohibition) Act 2022 and CBN AML/CFT Regulations. The Company reserves the right to request proof of account ownership before processing any refund.
7. The Company shall not be required to initiate refund processing until it has received all required documentation as listed in item (ii) above.

4.4 Cancellation Fee Schedule

The following schedules govern all deductions from refunds payable on Confirmed Orders. All amounts are expressed as a percentage of the Order Value. All fees are exclusive of applicable VAT at the prevailing statutory rate. Table A applies to Land Products. Table B applies to Commercial Products. Save for the express distinctions between Table A and Table B, the deduction methodology described in this Section 4.4 applies identically to both Land Products and Commercial Products.

Table A-1 - Land Products: Extended Refund Window (Day 91 to 24 months)

In respect of Land Products only, and notwithstanding the general position in Section 6.4 that no refund application shall be entertained after the expiry of the 90-day Refund Window, Land Republic Limited has elected to continue accepting refund requests on Land Products beyond the 90-day Refund Window on the following graduated basis, so that the cancellation fee does not remain static but instead increases progressively the longer the request is made after Day 90:

Table B - Commercial Products (within the 90-day Refund Window)

Commercial Products attract a lower Acquisition Commission but a materially higher tiered Admin Fee, as follows:

Table B-1 - Commercial Products: Refund Requests Beyond Day 90

Unlike Land Products, Commercial Products are NOT subject to the graduated matrix set out in Table A-1 above. Where a refund request in respect of a Commercial Product is submitted after the 90-day Refund Window has elapsed, the applicable refund percentage - if any - shall be determined solely by the Company, having regard to the unique circumstances of that specific transaction, including without limitation the resale prospects of the unit, its fit-out or customisation status, and the prevailing market conditions applicable to that unit at the time the request is considered. No standard percentage matrix applies to Commercial Products beyond Day 90; every such case is assessed strictly on its own facts, at the Company's sole and absolute discretion, and depending on how the transaction has proceeded.

Important Notes on the Commission Deduction

1. The Acquisition Commission deduction ONLY applies to purchases made through an Agent, Land Hacker, or Sales Assistant.

2. The Acquisition Commission deduction reflects the fact that upon Order Confirmation, Land Republic Limited irrevocably disburses the applicable percentage of the Order Value to the procuring Agent as earned commission. This cost has been incurred and cannot be recovered by the Company. Deducting it from the refund is therefore a pass-through of an actual cost, not a penalty.

3. These deductions do not include Statutory Charges (VAT, Stamp Duty, Land Use Charge, or other government levies). Where such charges have been incurred and paid to a government authority on behalf of the Buyer, they shall be additionally deducted as they are non-recoverable by the Company.

4. The above fee schedules are disclosed upfront and constitute a material term of the Subscription Agreement. They have been structured to reflect actual costs incurred, not to constitute a penalty clause within the meaning of Nigerian contract law.

4.5 Statutory Charge Deductions

In addition to the Cancellation Fee Schedule above, the following non-refundable statutory charges shall be deducted from any refund where they have been paid by the Company to a competent authority on behalf of the Buyer:

• Value Added Tax (VAT) at 7.5% on applicable service fees, pursuant to the Value Added Tax Act (VATA) 2021.
• Withholding Tax on commissions and Stamp Duties on executed instruments, pursuant to the Stamp Duties Act and Finance Act 2020.
• Land Registration and Filing Fees paid to a State land registry or Surveyor General’s Office.
• Any other statutory levy paid to a government authority that is non-recoverable by its nature.

5. DISCOUNTED, PRE-LAUNCH, AND PROMOTIONAL PRODUCTS

Buyers of discounted, pre-launch, or promotional Products are subject to a modified refund cap, as set out below. This restriction is disclosed at the point of sale and constitutes a material term of the Subscription Agreement for such Products. This Section 5 applies equally to Land Products and Commercial Products.

The maximum refund entitlement for discounted or promotional Land Products shall be 75% of the Order Value, from which the Acquisition Commission of the Order Value. Further deductions for Admin Fees and Statutory Charges may apply in accordance with Sections 4.4 and 4.5.

The same refund cap regime, and the same discounted values used for Land transactions, shall apply to discounted, pre-launch, or promotional Commercial Products. That is to say, the maximum effective refund to the Buyer on any discounted, pre-launch, or promotional Commercial Product shall likewise be capped at 65% of the Order Value, notwithstanding the different commission and admin fee figures set out in Table B of Section 4.4. Further deductions for Admin Fees and Statutory Charges may still apply in accordance with Sections 4.4 and 4.5.

This restriction shall not apply where individual contractual terms expressly negotiated between the parties and documented in writing provide otherwise.

6. NON-REFUNDABLE TRANSACTIONS

6.1 Completed Transactions

Where a transaction has been completed, meaning full payment has been received, the property has been allocated, and possession and/or title documentation (Contract of Sale, Deed of Assignment, Allocation Letter, Survey and/or Letter of Acknowledgment of Payment) has been delivered to the Buyer, no refund shall be entertained. The transaction is irrevocable upon delivery of title instruments. This applies equally to Land Products and Commercial Products.

6.2 Buyer Default

No refund is payable where the Buyer has defaulted on an agreed installment payment plan and the Company has exercised its contractual right to cancel the Subscription Agreement on grounds of that default. The consequences of default shall be governed exclusively by the terms of the Subscription Agreement, which may include forfeiture of amounts paid above a minimum floor, as expressly agreed at the point of sale. For the avoidance of doubt, and consistent with Section 4.2A above, where the Buyer's inability to complete payment under the agreed payment plan or payment structure results in cancellation within the Refund Window, the Cancellation Fee Schedule at Section 4.4 shall apply in place of full forfeiture, unless the Subscription Agreement expressly provides otherwise.

6.3 Personalized and Bespoke Products

Products configured, allocated, or customised to the Buyer's express specifications after the Cooling-Off Period has elapsed are not eligible for a refund.

6.4 Requests Outside the Refund Window

Any refund request in respect of a Land Product submitted after Day 90 but within 24 months of the date of first payment shall be resolved in accordance with Table A-1 (the graduated Extended Refund Window). Any refund request in respect of a Land Product submitted beyond 24 months shall not be entertained as of right. Any refund request in respect of a Commercial Product submitted after Day 90 shall not be entertained as of right and shall instead be resolved in accordance with Table B-1 (Company discretion, assessed on a transaction-specific basis). In every case falling outside the ordinary Refund Window, and in every case falling outside the applicable extended provisions described above, the Company may, at its absolute discretion and subject to Board approval, consider the request on compassionate or exceptional grounds. The Buyer bears the full burden of establishing exceptional circumstances.

Statutory Consumer Rights Preservation (FCCPA 2018)

Nothing in this Policy derogates from any mandatory statutory consumer rights accruing to a Buyer under Nigerian law, including but not limited to rights under Sections 110 to 130 of the FCCPA 2018.

Where any provision of this Policy conflicts with a mandatory provision of Nigerian law, the statutory provision shall prevail to the extent of the conflict.

7. FORCE MAJEURE

The Company shall not be liable for delay or failure in performance where such arises from a Force Majeure Event. Force Majeure Events include without limitation:

• Acts of God, natural disasters, floods, fire, earthquake.
• Government action including revocation or modification of title under the Land Use Act 1978, compulsory acquisition, or regulatory intervention by a competent authority.
• Acts of war, terrorism, insurrection, or civil disturbance.
• Epidemic, pandemic, or public health emergency declared by a competent authority.
• National grid or communications infrastructure failure beyond the Company's control.

On occurrence of a Force Majeure Event, the Company shall notify the Buyer within a reasonable time. Where the event continues beyond 12 (twelve) months, either party may terminate by 30 (thirty) days' written notice. Upon such termination, the Buyer shall be entitled to a refund of all payments made, less documented costs actually incurred by the Company and administrative fees, without application of the standard Cancellation Fee Schedule. The Acquisition Commission deduction shall be deducted in a Force Majeure termination, as it reflects a commercially exercised outcome in circumstances of no fault by either party. This Section 7 applies equally to Land Products and Commercial Products.

8. DISPUTE RESOLUTION

8.1 Internal Resolution

Any dispute arising from this Policy or a Subscription Agreement shall first be referred to the Company's Customer Experience Manager for internal resolution. The Manager shall endeavour to resolve the matter within 21 (twenty-one) days of referral.

8.2 Mediation

Where internal resolution fails within the stipulated period, either party may refer the dispute to mediation in accordance with the Lagos Multi-Door Courthouse Rules or the Chartered Institute of Arbitrators (Nigeria Branch) Mediation Rules.

8.3 Arbitration

Where mediation fails or is declined, the dispute shall be finally resolved by arbitration under the Arbitration and Mediation Act 2023. The arbitration shall be conducted by a sole arbitrator agreed by the parties or, failing agreement within 14 days, appointed by the Chartered Institute of Arbitrators, Nigeria Branch. The seat shall be Lagos, Nigeria. The language shall be English. The arbitral award shall be final and binding.

9. ANTI-MONEY LAUNDERING AND PAYMENT COMPLIANCE

Land Republic Limited is committed to full compliance with the Money Laundering (Prevention and Prohibition) Act 2022, the EFCC (Establishment) Act 2004, CBN AML/CFT Regulations, and all applicable FIRS directives. In furtherance of this commitment:

1. All refunds shall be paid exclusively to the originating payment source. Refunds shall not be redirected to third-party bank accounts, agents, cryptocurrency addresses, or any unverified payment channels.
2. The Company reserves the right to request certified identification, proof of bank account ownership, and transaction history verification before processing any refund payment.
3. Where a suspicious transaction report (STR) is filed with the Nigerian Financial Intelligence Unit (NFIU) in connection with a transaction, the Company's refund obligations shall be suspended pending resolution of the regulatory process.
4. Any attempt by a Buyer to use the refund process to launder funds, circumvent regulatory oversight, or facilitate fraudulent transactions shall constitute a material breach of the Subscription Agreement and shall be reported to the EFCC and relevant authorities.
5. The Company shall comply with any court order, FCCPC directive, or EFCC freeze order that affects a refund transaction, notwithstanding the timelines in this Policy.

10. INDEMNITY

The Buyer hereby covenants with the Company to indemnify and keep indemnified the Company, its directors, officers, employees, agents, and affiliates against all claims, actions, losses, damages, costs, and expenses (including legal fees on a solicitor-and-client basis) arising from or in connection with:

1. Any breach by the Buyer of any material term of the Subscription Agreement or this Policy.
2. Any misrepresentation, wilful misconduct, or fraud committed by the Buyer in connection with the transaction or the refund process.
3. Any third-party claim arising from the Buyer's acts or omissions in relation to the Product after allocation or delivery.
4. Any regulatory investigation, fine, or enforcement action triggered by the Buyer's conduct in connection with this transaction.

11. GENERAL PROVISIONS

11.1 Entire Agreement

This Policy, together with the Subscription Agreement and all ancillary documents executed between the parties, constitutes the entire agreement on payment protection, cancellation, and refunds. It supersedes all prior representations, negotiations, and agreements on the subject matter.

11.2 Amendments

The Company may amend this Policy upon 30 (thirty) days' prior notice published on its official website. Amendments shall not apply retroactively to Confirmed Orders preceding the amendment date, save where the amendment is required by a mandatory change in Nigerian law.

11.3 Severability

If any provision is held invalid or unenforceable under Nigerian law, it shall be severed and the remaining provisions shall continue in full force and effect.

11.4 Governing Law

This Policy is governed by the laws of the Federal Republic of Nigeria. The parties submit to the non-exclusive jurisdiction of the courts of Lagos State for proceedings not referred to arbitration.

11.5 Waiver

No failure or delay by the Company in exercising any right or remedy constitutes a waiver. No waiver is effective unless in writing and signed by an authorised representative of the Company.

11.6 VAT and Tax Compliance

All fees and charges stated in this Policy are exclusive of Value Added Tax (VAT) at the prevailing statutory rate of 7.5% or as otherwise amended by the Finance Act from time to time. VAT shall be charged and remitted in accordance with the Value Added Tax Act (VATA) 2021 and applicable FIRS regulations. The Company shall issue a valid VAT receipt to the Buyer upon request.

12. CONTACT AND FORMAL CORRESPONDENCE

Channel

Details

Official Email

support@landrepublic.co

Official Phone

+234 812 222 2283

Website

www.landrepublic.co

Physical Address

Principal Office: Land Republic Limited (RC 1866130), 20 Ibrahim Odofin Street, Idado Estate, Lekki, Lagos State, Nigeria

ISSUED BY THE AUTHORITY OF LAND REPUBLIC LIMITED (RC 1866130)

Effective Date: 1 March 2026 | Version: 4.0

This document is subject to periodic review. Whenever a review is conducted, Land Republic Limited shall issue a new version of this document and shall notify clients/users of the update through the Company's official communication channels. This document remains in force, as issued, until such a new version is published.

This document is the official and authoritative Payment Protection and Refund Policy of Land Republic Limited and supersedes all prior versions.

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