Unsolved

Subject: FINAL ESCALATION: Unresolved Freezing of Business Account – The Sweet Treat Hub (6+ Months)

Dear FNB Complaints and Risk Management Team,

I am writing to formally escalate, as a matter of urgency, the continued freezing of my FNB Business Account, which has now exceeded six months without resolution.

Business Name: The Sweet Treat Hub Account Holder: Keamogetswe Matseoane Estimated Funds Frozen: ±R40,000

FNB has repeatedly advised that the account remains frozen pending feedback from the National Credit Commission (NCC). However, despite ongoing requests, I have not been provided with: - An NCC reference number - Written confirmation of the date the matter was submitted to NCC - A clear explanation of the exact issue under investigation - Any realistic timeline for resolution

I confirm that: - The matter has already been escalated to the Ombudsman, with no resolution - Formal complaints were submitted to both FSCA and NCC on 16 January 2026 - As of today, no response or reference has been received from either regulator

This prolonged restriction has caused serious financial prejudice, disrupted business operations, and denied me access to my own funds without due process or transparency.

### I hereby formally request, within 7 business days: 1. Written confirmation that the matter is actively with the NCC 2. The official NCC reference number and submission date 3. A detailed explanation of the basis for the continued freeze 4. Clear next steps toward resolution or release of funds

Should this matter remain unresolved or inadequately addressed, I will proceed with further regulatory escalation and legal advice, as the delay has become unreasonable and detrimental to my business.

I trust this matter will now receive urgent attention.

Yours faithfully, Keamogetswe Matseoane The Sweet Treat Hub