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Your direct line to personal safety & peace of mind. Based on your selected membership, you are able to use the following valuable services.

HELP ME 24/7!

BENEFITS (Existing 24/7 ASAP Policyholders) CORE SILVER TITANIUM PLATINUM

RoadGuard RoadGuard dispatches an armed reaction unit to provide personal protection in the event of a vehicle breakdown or accident. Access to over 320 highly trained armed guards countrywide.

X X X X

Location Tracking The Help Me Crisis Centre uses location-based services to help locate you and speed up delivery of all Help Me services, even if you don’t know where you are.

X X X X

Medical Assistance Medical personnel are available 24-hours a day to provide general medical information and advice telephonically. Advice will be provided relating to unfamiliar symptoms, sensitive health issues, sick children and any general medical queries.

X

Emergency Medical Services Emergency Medical Services will coordinate and dispatch an emergen-cy medical response team to the scene of an emergency and, where appropriate, provide lifesaving support. This service includes emergency medical transportation to the nearest and most appropriate medical facility, as well as inter-hospital transfer.

X

Crisis Centre State-of-the-Art crisis management centre, available 24-hours a day, 7-days a week. Provides expert crisis assistance and emergency coordination for all Help Me services as well as public services.

X X X X

Rapid Roadside Upgrade Our Help Me Roadside Upgrade service gives you access to multiple roadside service providers.

X X X

RoadCover RoadCover’s expert team of lawyers are made available to process your claim with the road accident fund from start to finish, if you are involved in a roadside accident.

X X X

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SETUP

Save the USSD panic number *120*880*725444# on your cell phone.

Dial the USSD panic number.

Our Crisis Centre will call you back to ensure they can pinpoint your location.

Share the USSD panic number with the additional members on your Help Me membership, so they can access the services.

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To be able to track your location in an emergency you need to complete the steps below:

BENEFITS (Existing 24/7 ASAP Policyholders) CORE SILVER TITANIUM PLATINUM

Legal SOS Provides access to telephonic legal assistance from our qualified lawyers, available 24-hours a day to deal with issues including attorney in litigation advice and contractual advice on leases.

X X X

Trauma Counselling Provides access to a 24-hour, 365-days per year communication care centre to assist the member with counselling after a traumatic event. Includes up to 3 face-to-face counselling sessions, and telephonic counselling.

X X X

HIV Provides access to a 24-hour, 365-days per year communication care centre for HIV/Aids information and advice. In the event of exposure, the service includes 28-day post exposure medication, immediate HIV testing following exposure and follow-up testing 90 days later. View T’s & C’s for additional benefits.

X X X

Rapid Roadside Assistance Comprehensive roadside assistance to cover roadside events, including towing in the event of mechanical or electrical vehicle breakdown, accident towing, flat battery assistance, running out of fuel assistance, as well as alternative transport or hotel accommodation if you break down far from home.

X X

Car Hire Access to a rental car for up to 5 days in the event of a breakdown due to mechanical or electrical failure.

X

Take Me Home This service provides you with a designated driver to assist you in the event that you are over the legal alcohol limit and/or are unable to drive yourself to your next destination.

X

EMERGENCY

Your free Funeral and Personal Accident policy wording is below.

In an emergency you need to do the following:

Dial the USSD panic number from your cell phone and our Help Me 24/7 Crisis Centre will pinpointyour location, coordinate your emergency andispatch the service to you ASAP.

Please visit www.helpmesa.co.za for full Terms & Conditions & Usage Restrictions.

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Funeral and Personal ACCIDENT POLICY

www.helpmesa.co.za

Talksure Client services: 086 033 3343Talksure CS email: client.services@talksuresa.co.zaTalksure Crisis Centre: 086 144 4442

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FUNERAL AND PERSONAL ACCIDENT POLICY CERTIFICATE OF INSURANCEThis Certificate is issued by Workers Life Assurance Company Limited to Talksure Trading (Pty) Ltd in respect of “Help Me 24/7” Policyholders that meet the specified criteria. The risk date is from 1 January 2020.

This Policy document, the information you have provided, and the schedule, form the contract of insurance between us. In return for your premium, which Talksure Trading (Pty) Ltd will settle on behalf of active Help Me 24/7 Policyholders, and providing that you comply with the terms and conditions of the Policy, we will provide the cover described in the Policy and schedule. It is important that you read and understand these documents and make sure that all the information you have given us is correct.

1. Definitions

2. Operative Clause

Terms Definitions

You/Your/Yours/Yourself The insured in whose name the policy is issued (principal insured person) and who is named in the schedule.

We/Us/OurWorkers Life Assurance Company Limited (Workers Life), the Insurer. Workers Life is a registered insurer in terms of the Long-term Insurance Act of 1998 and a licensed financial services provider in terms of the Financial Advisory and Intermediary Services Act of 2002, as amended.

Addendum Is an additional document issued by the Insurer in the event of any review and changes in benefits or rates on the Master Policy The addendum will form part of the Policy contract.

Administrator The Company appointed and authorised by the Underwriter to administer all matters related to this Policy on its behalf. This being InsureAfrica Underwriting Managers (Pty) Ltd.

Benefit The applicable amount of compensation paid to you, subject always to the terms and conditions of this policy, at the amount stated under the Benefit section.

Cessation Age The age at which all benefits cease, as stated on the Policy Schedule.

Maximum Age at Entry Maximum age at which a life insured may enter into the Policy and be granted cover as specified in the Policy Schedule.

Bodily injury An injury caused by violent, accidental, external, and visible means.

Death Death within 12 (twelve) months of the event which is the sole and direct cause of death.

Main Policyholder The person in whose name the policy has been taken out.

Accident/AccidentalA sudden, unexpected, unusual, and unplanned event that was not intentional and which results in bodily injury, and which was caused solely and directly by visible, violent, external and physical means, and which occurs at an identifiable time and place. It includes insect bite (excluding insect bites resulting in malaria), spider, snake and animal bites.

Permanent disability Disability which results from a bodily injury and is specified in the Compensation section of the policy wording.

Territory The Republic of South Africa.

HelpMe 24/7 Active Member HelpMe 24/7 premiums need to be paid monthly to ensure policy is active.

If, during the period of insurance, you sustain bodily injury which directly results in death or permanent disability, we agree to pay to you, or your estate, the Personal Accident Benefit compensation stated below.

If you die of non-accidental causes during the period of insurance, we agree to pay to your estate the Funeral Benefit compensation stated below.

This Personal Accident Policy provides you with invaluable cover if you die or if you are disabled as the result of an accident.

The main member of the HelpMe Policy is covered for:• A R5,000.00 Funeral Benefit• A R15,000.00 Personal Accident Benefit for your accidental death and/or permanent disability.

The personal accident benefit is a once-off amount as detailed in the Compensation section.

3. What the Personal Accident Policy Covers

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4. Effective Date and Renewal

5. Termination by the Insurer on Notice

7. Termination by You

8. Basic Cover and Payment of Compensation

6. Automatic Termination

This policy takes effect for a period of 1 (one) month commencing on the first of the month following receipt of the first premium. This policy will be renewed for subsequent months thereafter subject to timeous payment of the monthly premium.

The Insurer may give 30 days’ written notice of termination of the policy.

If you give notice in writing to the insurer to terminate cover, such termination shall become effective on the date notice is receive or on the date specified in such notice, whichever is the later. Cover shall cease at 24h00 on such date.

If, within the period of insurance, you sustain bodily injury directly as a result of violent, accidental, external, and visible means, we will, in respect of such injury, pay to you (or in the event of your death to your legal personal representatives or your estate) the Personal Accident sum insured of R15,000.00 if such injury shall be the sole and direct cause of death or permanent disablement within 12 (twelve) months of the date of the accident.

In addition, if you die within the period of insurance from accidental or non-accidental causes, we will pay to your beneficiary or your estate the Funeral Benefit sum assured of R5,000.00.

Payments will be a single lump sum and will be tax free.

The Policy cover shall terminate on the occurrence of any of the following events:1. Expiry of 30 days after the death of the Policyholder2. Your reaching of the age of 753. Upon the non-payment of a premium within the grace period4. Cancellation of your HelpMe 24/7 policy

The table below details the events which, provided they arise from a bodily injury, will constitute a permanent disability claim. The table also specifies the percentage of the Personal Accident Benefit sum assured payable in each case:

9. Definition of Permanent Disability

Event Percentage of Personal Accident sum assured paid out

Loss of function or amputation:• One foot or both feet• One leg or both legs• One hand or both hands• One arm or both arms

100%

Amputation of:• One thumb or both thumbs• Three fingers

100%

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Death or bodily injury resulting from starvation, thirst and/or exposure as a direct or indirect result of an accident shall be considered to constitute a claim.

1. Compensation shall not be payable under more than one of the Personal Accident or Funeral Benefits, except in the case of death from accidental causes where both the Personal Accident Benefit sum assured, and the Funeral Benefit sum assured will be paid.

2. Upon payment of any claim for which compensation is 100% (one hundred percent) of the basic amount insured by that item,

the insurance and any further liability will cease immediately.

3. This Insurance Policy will not continue in force beyond the period of insurance during which you attain the age of 75 (seventy-

five) years or prior to the age of 18 (eighteen).

4. Compensation will only be payable if the Policyholder is an activate Help Me 24/7 Policyholder and is within the age limits

stated in the condition (iii) above.

5. The cover will cease if your Help Me 24/7 cover is terminated.

6. In the event of a permanent disability claim, you must submit to a medical examination at our expense should we reasonably

require such examination to verify the claim. This medical examination must take place in the Republic of South Africa.

7. On the happening of any occurrence for which compensation is payable, you must employ the services of a registered medical

practitioner and undergo any treatment the practitioner deems necessary.

8. Compensation, in the event of your death, will be paid to your beneficiary or to your estate if a beneficiary was not nominated.

We will not be liable for any claim resulting from:

1. Participation by you in any of the following:

a. Any sport as a professional

b. Parachuting, skydiving, bungee-jumping, hang gliding, polo, steeplechasing, rugby, winter sports, ice hockey, wrestling, boxing, scuba diving, water skiing or martial arts

c. Racing, speed or endurance tests on, or in, power-driven vehicles or craft

d. Flying, other than as a fare-paying passenger on a recognised airline operation on regular scheduled air routes or air travel by any charter aircraft duly licensed as a recognised air carrier

The maximum amount paid cannot exceed 100% (one hundred percent) of the sum insured. If the maximum amount of 100% (one hundred percent) is paid out for one of the benefits, then the policy will automatically be cancelled.

10. Specific Clauses (Limits)

11. Conditions

12. Exclusions

Total permanent vision loss:• One eye or both eyes 100%

Permanent loss of speech 100%

Total permanent hearing loss:• One ear or both ears 100%

Permanent confinement to a bed or a wheelchair 100%

Third degree burns covering at least 40% of total body surface 100%

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e. Mountaineering where the use of ropes or a guide is necessary

f. Manufacturing or the use of explosives

g. Motorcycle racing

h. Underground works including mining activity

2. Any physical infirmity, disease, condition or disability which existed prior to inception of this insurance policy.

3. Pregnancy, childbirth, miscarriage, abortion or any consequences of these activities.

4. Your willful misconduct or being under the influence of intoxicating liquor or drugs or where the alcohol level irrespective of the manner of measurement, exceeds the legal limit.

5. Your driving of a vehicle while you are under the influence of intoxicating liquor or drugs or where your blood or breath alcohol concentration exceeds the legal limit.

6. Intentionally self-inflicted injury, suicide or suicide attempt within 24 months of the date of commencement, reinstatement or

from the effective date; or

7. Disablement or death as a result of a hazardous pursuit.

8. Disablement or death as a result of alcohol or drug abuse.

9. Death or disablement caused by or attributable to:

a. Your participation in any riot, civil commotion, labour disturbance, strike or lockout or public disorder or any act or activity which is calculated or directed to bring these about.

b. The performance of or attempt to perform:

(i.) any act, whether on behalf of any organization, body or group of persons, calculated or directed to overthrow or influence any State or government, or any provincial local or tribal authority with force, or by means of fear, terrorism or violence

(ii.) any act which is calculated, or directed, to bring about destruction or damage or bodily injury in order to further any political aim, objective or cause, or to bring about any social or economic change or in protest against any State or government or any provincial, local or tribal authority or for the purpose of inspiring fear in the public or any section thereof

(iii.) Your service in the military, naval, police or air service of any country

(iv.) Your employment on the crew of a ship, offshore drilling rig, refinery, petroleum or ammunition manufacturers

(x.) For the Personal Accident Benefit, death or disablement as a result of natural causes.

Where the policyholder or any other person acting on behalf of the policyholder has acted fraudulently towards the insurer, whether at the time of entering into the policy agreement, lodging a claim with the insurer, or at any other time, but only if the insurer has suffered prejudice resulting therefrom, no benefit shall be payable to or in respect of such policyholder under the policy and the insurer may terminate such policyholder’s policy forthwith on providing one month’s written notice to the policyholder.

Where any person to whom a benefit is payable or any person acting on behalf of such person has acted fraudulently towards the insurer at any time, but only if the insurer has suffered prejudice resulting therefrom, no benefit shall be payable to such beneficiary.

In all instance where the insurer has been the victim of fraud or misrepresentation, where the conduct has resulted in prejudice to the insurer, the insurer reserves the right to claim from the policyholder any excess benefits paid by the insurer by reason of the conduct.

After we inform you of our decision on a claim, representations may be made to the Insurer within 90 days of the date of the Insurer’s letter of rejection or avoidance. If you do not comply with this time limit, we will not reconsider the disputed claim. If we do receive representations, the decision will then be reviewed, and the outcome communicated to you.

Should you wish to complain to the Ombudsman, he can be contacted at:

The Ombudsman for Long-term Insurance Private Bag X45, Claremont, Cape Town, 7735 Tel: 0860 103 236 I Fax: 0216740951

If the dispute is not satisfactorily resolved in this manner, you may institute legal action against the insurer for the enforcement of the claim by way of the service of summons. Summons must be served on the insurer within 180 days of the insurer’s original letter of rejection or avoidance. If this is not done, the insured’s claim will be unenforceable against the insurer and it will become time-barred and you will not be entitled to any benefit in respect of the claim.

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Should you claim under this policy, you are bound by and must comply with all the terms and conditions of this policy and have no greater rights than the insured has to claiming under this policy. The member’s strict compliance with the claims procedure as set out herein is a condition precedent to any liability that the insurer may have under this policy.

Notice must be given to the insurer of any occurrence likely to give rise to a claim under this policy in writing on the prescribed form as soon as practicable but in any event no later than 12 months after the occurrence likely to give rise to a claim.

In the event of a death claim. the insurer shall have the right to conduct a post-mortem examination.

All claims assessments, medical examinations, and post-mortem examinations must take place within the Republic of South Africa.

The Personal Accident and Funeral Benefits are provided by Workers Life Assurance Company Limited, a registered Insurer and an authorized financial services provider (FSP license number: 392).

The following documentation shall be supplied to the insurer by the policyholder in the course of submitting a claim for a death/funeral benefit:

1. Proof of Death - original or certified copy of the Death Certificate:2. Certified Copy of Principal Policyholder’s Identification Document or Passport.3. Certified Copy of deceased’s Identification Document or Passport, stamped DECEASED by Home Affairs4. Certified Copy of Identification Document /Passport of Beneficiary5. Certified Copy of Notification of Death (BI-1663)6. Policyholders Application Form/Extended Application Form7. Copy of Beneficiary Bank Statement reflecting Bank Name, Account Number and Account Holder’s Details8. Additional Supporting documents as applicable. (see below)

Please note Certified Documents must show:Name signature, organisation, date, address and telephone details to be clearly indicated on documents certified by a Commissioner of Oaths.

In the event of Accidental Death/Unnatural Death the following additional documents are required:

1. Certified copy of the Police Report2. Certified copy of the Doctor’s or Hospital Report3. Certified copy of the Accident Report

Supporting documentation to be submitted with the claim form:Proof of Death:

(BI-5) Original computer produced or certified copy Death Certificate.BI-20) Original or certified copy of Abridged Death Certificate with Home Affairs stamp and number in black.Copy of Principal Policyholder’s Identification Document or Passport.Copy of deceased’s Identification Document or Passport stamped DECEASED by Home Affairs.

Settlement of Claim:

If Benefits are to be paid out to a different person, other than Policyholder the Policyholder or nominated beneficiary, we request an affidavit providing permission to do so, from the Policyholder/nominated beneficiary and a person we will be making the payment to, together with a certified copy of Identification Document of that person.

13. Claims Procedure

14. Required Claims Documentation

The Policyholder and InsureAfrica shall comply with all its obligations as contained in this Policy and any failure by the Policyholder to comply with any obligations shall entitle InsureAfrica to:

1. Cancel the Policy;2. Alter the Policy, having regard to the nature of the Non – compliance with the obligations specified in the Policy;3. Accept that premium payments have ceased, and refuse to accept further payments.

This shall be subject to:1. InsureAfrica giving the Policyholder written notice of their failure to comply with the obligations specified in the Policy; and,2. The Policyholder not rectifying the failure to comply within thirty (30) days of the notice by InsureAfrica.

15. Compliance with Obligations

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a. In order to claim, contact InsureAfrica Underwriting Managers (Pty) Ltd on 011 615 0170.

b. InsureAfrica Underwriting Managers (Pty) Ltd must be notified within 6 months of the claim event or such shorter period as may be stipulated in the policy. Late notification could result in rejection of a claim.

1. If you have a complaint about this Policy, first try to resolve it with the Intermediary (an intermediary is the person who sold this policy to you). If the matter cannot be resolved, you can submit a complaint in writing to the InsureAfrica Underwriting Managers (Pty) Ltd Complaints Department in writing, or on Telephone: 011 615 0170 and email: general@InsureAfrica.co.za.

2. In the case of dissatisfaction with any aspect of our services received, you have the right to lodge a complaint with Workers Life Assurance Company Limited, Tel: 0861 540 540.

3. If the matter is not resolved to your satisfaction you may submit your complaint in writing to the Office of the Ombudsman for Long-term Insurance at Private Bag x 45, Claremont, Cape Town, 7735. They may also be contacted on Telephone: 021 657 5000 / 0860 103 236. Fax: 021 674 0951 and e-mail: info@ombud.co.za

b) Complaint about how the product was sold. If you have a complaint you can contact Talksure Trading (Pty) Ltd in writing, or on Telephone No + 27 (0) 860 333 343

If you have a problem with the way the product was sold to you, the disclosures that were made to you or the advice that was given to you by the Intermediary, you must contact the Intermediary. If you are not satisfied with the reply, you may submit yourcomplaint in writing to the FAIS Ombud at PO Box 74571, Lynwood Ridge, 0040. He may also be contacted on Telephone: 0860 662 837, Fax: (012) 348 3447 and e-mail: info@faisombud.co.za.

In the case of dissatisfaction, you have the right to lodge a complaint with Workers Life Assurance Company Limited, Tel: 0861 540 540.

Please note that the Administrator’s Complaints Resolution Policy and Procedure can be made available upon request.

a) Complaint about the Policy

1. Claims Procedure

2. Complaints

DISCLOSURE NOTICE DISCLOSURES REQUIRED IN TERMS OFTHE FINANCIAL ADVISORY AND INTERMEDIARY SERVICES ACT 37 OF 2002 (“FAIS”)

Please read carefully

This notice does not form part of the Insurance Contract or any other document. It does however contain information which is in your interest. This notice is provided at the inception of each policy.

As a Long-Term Insurance Member/Employee or prospective Member/Employee, you have the right to the following information:

In the event that you are not satisfied with the outcome of your claim, you may write to the Complaints Department of InsureAfrica Underwriting Managers (Pty) Ltd within 90 days in which to make a representation directly to the Insurer.

If you are still not satisfied, you have an additional 6 months after expiry of the 90 days to institute legal action against InsureAfrica. You also have recourse to the Ombudsman for Long-term Insurance at Private Bag X45, Claremont, 7735. He may also be contacted on Telephone 0860 OMBUDS (0860 662 837) or (021) 657 5000,Fax: (021) 674 0951 and e-mail: info@ombud.co.za.

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Workers Life Assurance Company LimitedRegistration Number: 1993/004296/06FSP Number: 392PGC House, 273 Paul Kruger Street, Pretoria, 0001Tel: (0861) 540 540

Compliance Department:Tel: 0861 520 520, E-mail: compliance@workerslife.co.za

Complaints Department:Tel: 0861 520 520, Email: complaints@workerslife.co.za

Workers Life Assurance Company Limited is a registered Insurer and an Authorised Financial Services Provider, licensed toprovide advice and render financial services in respect of Long-Term Insurance subcategory A, B1, B2 and C.

Talksure Trading (Pty) LtdFinancial Services Provider Licence No: 42788Postal Address : PO Box 1498, Umhlanga Rocks, 4320Physical Address : 62 Umhlanga Ridge Boulevard, Parkside, Umhlanga 4319Telephone No : + 27 (0) 860 333 343FSP Licence Category : Short-term Insurance Personal Lines A1, Long Term Insurance Subcategory 1, Long Term Insurance Subcategory B1, Long Term Insurance Subcategory B1

COMPLIANCE OFFICER OF TALKSURE TRADINGCOMPLISERVE KZN (PTY) LTD

Name: Tyran Naidoo of Compli-Serve KZN (Pty) Ltd, authorised practice no. 6798Physical Address: 65 Second Avenue, Harfield Village, 7708Postal Address: PO Box 2358, Clareinch, 7740Telephone No: 0860 33 33 43

Complaints Procedures: Should you have a complaint, or if you would like a copy of the Talksure Trading (Pty) Ltd Complaints Policy, call Client Services on 0860 333 343.

Conflict of Interest: Please call Client Services on 0860 333 343 for a copy of Talksure Trading (Pty) Ltd.’s Conflict of Interests Policy

InsureAfrica Underwriting Managers (Pty) LtdRegistration Number: 2002/003777/07VAT Number: 4780215374FSP Number: 15059H Santos Building, 2nd Floor North East Wing, 30 Arena Close, Bruma, 2198Postnet Suite 432, Private Bag X 19, Gardenview, 2047Tel: 011 615 0171www.InsureAfrica.co.za

Compliance Department:Moonstone Compliance (Pty) LtdTel: (021) 883 8000. E-mail: ghancke@moonstonecompliance.co.za

Complaints Department:Tel: 011 615 0171, E-mail: complaints@InsureAfrica.co.zaInsureAfrica Underwriting Managers (Pty) Ltd acts as an underwriting manager for Workers Life Assurance Company Limited in terms of a binder agreement. In terms of this agreement, InsureAfrica Underwriting Managers (Pty) Ltd may perform the following functions on Workers Life Assurance Company Limited’s behalf: 1. Enter into, vary and renew policies;2. Determine the wording of policies;3. Negotiate the premiums;4. Negotiate the value of policy benefits;5. Settle claims.

3. The Insurer (The Risk Carrier With Whom Your Policy Is Placed)

4. The Intermediary

5. The Administrator / Underwriting Manager

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InsureAfrica Underwriting Managers (Pty) Ltd is paid a binder fee of 20.0% for performing the abovementionedfunctions as well as a share in profits of the scheme.

InsureAfrica Underwriting Managers (Pty) Ltd is an Authorised Financial Services Provider in terms of the FAISAct and is entitled to render intermediary services and advise relating to Long-term insurance category 1 inrespect of personal and commercial lines. The Administrator, who has a contractual relationship with the Insurer,hold professional indemnity and fidelity guarantee insurance.

InsureAfrica Underwriting Managers (Pty) Ltd is an authorised financial services provider in terms of the FAIS act and is licensed to render intermediary services and advice non-automated, relating to Long term Insurance Catergory 1 in respect of sub catergory A, B1, B2,B2-A,B1,A,C and intermediary services. The Administrator, who has a contractual relationship with the insurer, holds professional indemnity and fidelity guarantee insurance relating to Long-Term Insurance Category IV Assistance Business.

a. Workers Life Assurance Company Limited and InsureAfrica Underwriting Managers (Pty) Ltd have establish a Conflict of Interest Management Policy which is available on request from its Compliance Officers. b. The Underwriting Manager has no shareholding in Workers Life Assurance Company Limited or any of its associated companies.

c. In order to meet regulatory requirements, financial or immaterial expenditure by and to Intermediaries as well as by or to our staff of the Insurer and Underwriting Manager are monitored.

d. Where potential conflicts of interest have been identified which do not have a direct impact on the Insured or the Underwriting Manager, internal structures are in place to manage and control such circumstances. Contact Person: Nadia Kreft-Rossouw (compliance@InsureAfrica.co.za)

a. It is very important that you are quite sure that the Policy meets your needs and that you feel that you have all the information you need to make a decision. Feel free to make notes regarding verbal information and ask for written confirmation or copies of documents. b. Disclose all material facts accurately, fully and properly as incorrect or non-disclosure by you of relevant facts may influence an insurer on any claims arising from your contract of insurance.

c. You need to be satisfied with the accuracy of any transaction submitted by anyone on your behalf. All information provided by you or on your behalf is your own responsibility as this might have an impact on any future claim.

d. Nobody may ask or require you to waive a right that you have as a Member. Nobody may ask or require you to waive a right that you have as a Member.

e. The application, certificate of insurance and the policy wording must be read as one document.

f. A polygraph or any lie detector test may be required in the event of a claim. The failure of such test may not be the sole reason for repudiating a claim.

g. InsureAfrica Underwriting Managers (Pty) Ltd certifies that the intermediary mentioned in this disclosure has the relevant mandate to act on behalf of InsureAfrica Underwriting Managers (Pty) Ltd.

h. Your insurance may only be cancelled on 30 days prior notice which may be provided either directly to you or to your broker.

i. You are entitled to a 15-day period of grace after the due date for the payment of your premium.

6. Conflict Of Interest Requirements

8. Important Matters

If the Policy was sold to you by a telemarketer, recordings of the telephone discussion with the telemarketer canbe made available to you upon request. Please contact the Administrator directly with your request.

7. Telemarketer

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The Ombudsman is available to make determinations and, if necessary, rule against or in favour of the Insurer, inthe event of claim problems, which are not satisfactorily resolved by the Insurance Intermediary, the Administratorand/or the Insurer.Private Bag X 45, Claremont, Cape Town, 7735Tel: 021 657 5000 / 0860 103 236, Fax: 021 674 0951E-mail: info@ombud.co.za

9. The Long-Term Insurance Ombudsman

The Ombudsman is available to advise you in the event of complaints which relate to the Financial Advisory andIntermediary Services Act, 37 of 2002 (“FAIS Act”) and which have not been resolved to your satisfaction.PO Box 74571, Lynnwood Ridge, 0040Tel: (012) 470 9080, Sharecall: 0860 324 766, Fax: (012) 348 3447E-mail: info@faisombud.co.za

10. The Fais Ombudsman

The Financial Sector Conduct AuthorityPO Box 35655, Menlo Park, 0102Tel: (012) 428 8000, Fax: (012) 347 0221

11. The Registrar Of Long-Term Insurance

12. Warning

a. You the client, must disclose all material facts accurately, fully, truthfully and properly. b. Do not sign any blank or partially completed application form.

c. Complete all forms in ink.

d. Keep all documents handed to you.

e. Make note as to what is said to you.

f. Don’t be pressurised to buy the product.

g. Misrepresentation, incorrect or non-disclosure by you of relevant facts may impact on any claims arising from your contract of insurance.

j. By entering into this insurance contract, you acknowledge that the sharing of credit, claims and underwriting information by Insurers is essential to enable the insurance industry to assess risk fairly and to reduce the incidence of fraudulent claims. Consent is granted for information to be verified against other legitimate sources of databases.