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This HomeChoice Customer Protection Plan policy (“policy”) wording underwritten by Guardrisk Life Limited (“Guardrisk”). Guardrisk is a registered insurance company and a licensed fnancial services provider. Guardrisk agrees to accept any eligible person who has successfully applied for this cover and will, on receipt of a monthly premium, provide cover as defned in this policy, and provided an insured event occurs during the currency of the policy, pay the benefit as stipulated so long the event giving rise to a claim falls within the benefits covered and all claims documentation is submitted within the period in which to lodge a claim and all other required formalities of Guardrisk are being complied with..

This policy, as amended from time to time, applicable administrative forms, application forms, pre-agreement statements and quotations, declarations, authorisations, any voice-logged conversations pertaining to this policy form the basis of the contract. In the event of any conflict between the provisions of this policy and that of any other documents as mentioned above, the provisions of the policy shall prevail.

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Disclosures concerning HomeChoice as required
by FAIS

In terms of the Financial Advisory and Intermediary Services Act (FAIS)
(Act No. 37 of 2002) the following information must be disclosed to clients and potential clients:

Neither HomeChoice nor any of its representatives own more than
10 % of the issued shares directly or indirectly of any Life Assurer or Product Supplier. HomeChoice is not an associated company of any Life Assurer or Product Supplier;
HomeChoice has earned more than 30% of its total commission from Guardrisk within the past
12 months;
HomeChoice has Professional Indemnity Insurance cover and Fidelity Guarantee, which is available upon request; HomeChoice has an Internal Complaints Resolution Policy; All information obtained or acquired from or about you shall remain confdential unless you provide written consent to the contrary, or unless HomeChoice is required by law to disclose such information; and Moonstone Compliance (Pty) Ltd is our compliance offcer. Moonstone Compliance can be contacted at: 25 Quantum Street, Technopark, Stellenbosch, 7600, Tel No: (021) 8838000

Benefits

Death benefit

This policy includes a death benefit which provides a payment equal to the outstanding liability under your credit agreement with HomeChoice in the event of the death of an Insured Person during the period of insurance. Permanent disability benefit

This policy includes a permanent disability benefit which provides a payment equal to the outstanding liability in the event of an Insured Person suffering permanent disability during the period
of insurance.
The permanent disability claim event date, as determined by Guardrisk, is the date on which the Insured person became permanently disabled. Temporary disability benefit

In the event of an Insured Personto suffering temporary disability for a period in excess of 31 (thirty-one) consecutive days, this policy provides a benefit of a payment equal to the outstanding liability in the event of an Insured Person suffering temporary disability during the period of insurance. The temporary disability claim event date, as determined by Guardrisk, will be the 31st day following the date giving rise to a claim.. A premium is till due during this 31 day period.. Loss of income benefit

In the event of an Insured Person becoming unemployed or experiencing a loss of income other than as a result of permanent or temporary disability, this policy includes a loss of income benefit which provides a payment equal to the outstanding liability in the event of an Insured Person experiencing a loss
of income
The unemployment or loss of income claim event date, as determined by Guardrisk, is the date on which the Insured Person ceases to earn an income. For purposes of this Policy, Loss of Income shall mean the total loss of permanent, contract or temporary employment, or any other form of income that the Insured Person has been receiving for at least 3 months immediately prior to the start date of insurance. The loss of income must be total in nature and does not include cover for loss of any supplementary income whilst the main income remains in force.

Eligibility

Insured Persons are eligible to be covered for death, permanent disability, temporary disability and loss of income benefits set out above, subject to the following conditions:

If an Insured Person is not employed at the date that the insurance policy is entered into, cover against loss of income will not be included; If the Insured Person is a pensioner at the date that the insurance policy is entered into, cover against occupational disability will not be included; Waiting periods and exclusions as set out in this policy will apply.

Termination of benefits

Cover for a particular Insured Person will cease upon their HomeChoice account being fully paid up. No benefit will be payable in terms of that Insured Person after the expiry of insurance cover. Waiting periods

The waiting periods applicable to each benefit are specifed in the table below. Benefit

Death Permanent Disability Temporary Disability Loss of Income Waiting Periods

No waiting period 3 month waiting period 3 month waiting period 3 month waiting period Please note, that in addition to these waiting periods, exclusions as set out in this policy may apply. The waiting period means the period, starting on the commencement of cover (the date that the Insured enters into the insurance policy) under that benefit. A claim event that happens during the waiting period will not be covered by this policy and no benefit will be payable, even after the waiting period has expired, as the claim occurred during the waiting period. The waiting period will be based on the commencement date of your HomeChoice credit facility. Should cover in respect of an Insured Person be terminated and thereafter be reinstated again, the waiting period will re-commence on the date of reinstatement and will not be waived by Guardrisk.

Exclusions

Cover for a particular Insured Person will cease upon their HomeChoice account being fully paid up. No benefit will be payable in terms of that Insured Person after the expiry of insurance cover.

General restrictions, exclusions, provisions
and conditions

Currency and law

Premiums and benefits payable under this policy shall be paid in the Republic of South Africa and in South African Rands only. This policy shall be governed by and interpreted in accordance with South African Law in the courts of the Republic of South Africa. Territory covered

Insured Persons must ordinarily reside in the Republic of South Africa to be covered in terms of this policy. Cover is extended to include a visit lasting less than 3 (three) months outside the Republic of South Africa. An Insured Person who is not a South African citizen, a legal permanent resident or who ordinarily resides outside of the Republic of South Africa will not be covered in terms of this policy. Criminal activities

Guardrisk shall have no liability whatsoever under this policy where any claim arises from or is the result of any intentional contravention of any criminal law, whether legislative or common law (including fraud), or in instances of any exaggerated claim by HomeChoice as the credit provider or an Insured Person, or by anyone acting on the credit provider or an Insured Person’s behalf or with his/ her consent, or by any person claiming any benefit under this policy. In the event of such a claim, all benefits afforded in terms of this policy and all premiums paid in respect of this policy shall be forfeited, and this policy will be deemed void or cancelled as from the date of the criminal offence, or of any exaggerated claim or event at Guardrisk’s discretion. Misrepresentation, misdescription or non-disclosure

Misrepresentation, misdescription or non-disclosure of any material fact or circumstances in connection with this policy, a claim or the application for this policy may result in the policy being cancelled, a claim rejected or the policy being deemed void from inception and all premiums paid being forfeited. In the event that a benefit has been paid as a result of any misrepresentation, nondisclosure, misdescription or fraudulent action by the credit provider, an Insured Person or by any person claiming any benefit under this policy, such person will be required to immediately repay or return the benefit paid on demand. Guardrisk shall be entitled to take legal action to recover the benefit and any costs involved. 31-day review period

Where no claim has been instituted in terms of this policy or where no right has accrued to institute a claim, you may, within 31 (thirty-one) days of receipt of this document, cancel your policy by contacting HomeChoice, the binder holder and inform them of the cancellation. Such cancellation shall be subject to the credit provider’s written approval of the cancellation of the policy. All premiums paid during this 31 (thirtyone) day review period shall be refunded by Guardrisk to you. Premium calculation

The monthly premium payable is based on your HomeChoice redit facility account balance from time to time. The premium quoted in your pre-agreement statement and quotation is based on the maximum credit limit of your HomeChoice facility. The monthly premium for the Death Only benefit is calculated at a R1 rate per R1 000 of the outstanding balance. The monthly premium for the Full Cover benefit is calculated at a R3.50 rate per R1 000 of the outstanding balance. Premium payment days of grace

Subject to the frst premium being paid, a period of 31 (thirty-one) days’ grace from the premium due date is allowed for the payment of each premium due and payable. During this time period, all benefits will remain in force. If any event occurs during the period of grace that results in a valid claim, the unpaid premium will be deducted from any amount paid out. Should the premium remain unpaid for a period in excess of the grace period, the policy will lapse automatically and all benefits will cease to provide any further cover. Any claim event occurring after the expiry date of the grace period will not be covered and such claim will be declined. Premium and policy amendments

Guardrisk may increase the premiums from time to time by giving you 31 (thirty-one) days’ written notice of such increase. Guardrisk reserves the right to amend, add or change the terms and conditions of this policy by way of endorsement, by giving one month’s written notice, provided that any amendment will not retrospectively affect the extent of cover already provided and in force in terms of this policy. Any variation or changes will be binding on both the insurer and the Insured Person and can be applied at any time to the existing terms and conditions after written communication of these changes has been sent to the Insured Person’s last known address as it appears in our records at
that time.
Changes in details supplied

Should there be any changes to the original details supplied at the time of application, Insured Persons must notify HomeChoice, the binder holder within 31 (thirty-one) days of such change occurring, and Guardrisk shall take the action deemed necessary in this regard. Should the Insured Person not notify the binder holder of such change, Guardrisk reserves the right to reject liability in terms of a claim or to cancel the policy. Cancellation

You may request that your policy is cancelled by giving the binder holder 31 (thirty-one) days’ notice of cancellation. Such cancellation shall be subject to Guardrisk’s receipt of written approval of cancellation of the policy. If a premium has been paid for any period beyond the date of cancellation of the policy, Guardrisk shall refund the relevant premium to you. No premiums paid prior to the date of cancellation will be refunded. This is due to the fact that whilst due premiums were paid, Guardrisk was on risk for a valid claim that may have arisen whilst the policy was in force. Communication method

All communication with Guardrisk and the binder holder must be in writing including email. Guardrisk may, at its sole discretion, accept communication by phone where such communication is voice logged by Guardrisk or on
Guardrisk’s behalf.
Condition precedent

Guardrisk’s liability in terms of this policy is conditional on the credit provider, an Insured Person or anyone acting on the credit provider or Insured Person’s behalf, complying with all the terms, conditions and warranties of this policy. Waiver of conditions

No waiver of any of the terms, conditions and endorsements of this policy shall be valid unless made in writing under the signature of a duly authorised offcer of Guardrisk. In addition, no act or omission by Guardrisk or any offcer, employee or servant of Guardrisk shall be deemed to be a representation on behalf of Guardrisk upon which the credit provider, Insured Persons or their representatives are entitled to act. Guardrisk shall have the right to do all that is necessary and appropriate to comply with any requirements of any legislation or regulatory authorities. Guardrisk’s liability
No benefit payable under this policy shall carry interest.

Claim process

On the happening of a claims event, which may result in a claim in terms of this policy, you or your appointed executor shall submit the claim to HomeChoice, the binder holder. The binder holder, on behalf of Guardrisk, shall be notifed of the full details in writing of the claim as soon as reasonably possible but within a maximum of 90 (ninety) days from the date of the event giving rise to the claim. Guardrisk shall in no way whatsoever be liable to pay any benefit if the full details of the claim are not received within the maximum period as stipulated above unless there are extenuating circumstances for such late submission. All certifcates, information and evidence required by Guardrisk shall be furnished in the form prescribed and without expense to Guardrisk on request. Should Guardrisk require confrmatory diagnosis or a second opinion on the evidence submitted to Guardrisk, the Insured Persons shall submit to medical examinations by a medical practitioner appointed by Guardrisk, at Guardrisk’s expense, as often as shall be required in connection with any claim. Guardrisk shall be entitled to access any medical and hospital records in relation to an Insured Person’s health and make copies of and use such records. Any receipt or discharge which the Insured Person or its estate may give to Guardrisk for any benefit paid under this policy shall be deemed as fnal and complete discharge of all liability of Guardrisk in respect of any and every contingency resulting to the Insured Person in consequence of the claim event whether resulting before or after the date of such receipt or discharge.

Rejection of claim and
time bar

If Guardrisk declines liability for a claim made in terms of this policy, voids this policy, or if there is a dispute regarding the amount of the claim, representation may be made to Guardrisk within 90 (ninety) days (the “representation period”) of the date of your receipt of the letter of rejection or avoidance. Representation must be submitted in writing to: Guardrisk Claims Manager Postal address: PO Box 786015, Sandton, 2146
Email: info@guardrisk.co.za
If the dispute is not satisfactorily resolved in this manner, legal action may be instituted against Guardrisk for the enforcement of the claim by way of the service of summons against Guardrisk. Summons must be served on Guardrisk within 180 (one hundred and eighty) days of the expiry of the representation period, failing which all benefits in respect of such claim shall be forfeited and no liability can arise in terms of such claim.

Defnitions

Unless the contrary appears from the context, the following words and phrases shall have the meanings assigned to them where they appear in this policy:

Advice

Any recommendation, guidance or proposal of a fnancial nature furnished, by any means or medium, to any client or group of clients -

in respect of the purchase of any fnancial product; or in respect of the investment in any fnancial product; or on the conclusion of any other transaction, including a loan or cession, aimed at the incurring of any liability or the acquisition of any right or benefit in respect of any fnancial product; or on the variation of any term or condition applying to a fnancial product, on the replacement of any such product, or on the termination of any purchase of or investment in any such product, and irrespective of whether or not such advice - is furnished in the course of or incidental to fnancial planning in connection with the affairs of the client; or results in any such purchase, investment, transaction, variation, replacement or termination, as the case may be, being effected. Basic Income

The basic contractual salary or wage income earned by an Insured Person immediately prior to the occurrence of a claim event, excluding any overtime or any other additional income.

Benefciary

A person nominated by the policyholder as the person in respect of whom the insurer should meet policy benefits.

Binder holder

Binder holder means HomeChoice (Pty) Ltd (“HomeChoice”) (Reg.no 1985/002759/07; FSP no 48448) who are authorised to bind and administer policies on behalf of Guardrisk.

Casual Worker

A Casual Worker shall refer to a person employed on a part time, irregular or flexible basis, to meet a fluctuating demand for work and is not considered a permanent employee. A Part Time worker shall also meet
this defnition.

Claim

Means, unless the context indicates otherwise, a demand for policy benefits by a person in relation to a policy, irrespective of whether or not the person’s demand is valid.

Claimant

Means a person who makes a claim.

Claim payable date

The claim payable date means the date on which a valid claim becomes payable, and is equal to the claim event date.

Commencement of insurance

Commencement of insurance means the date from which an Insured Person is covered in terms of
this policy.

Contract Worker

A Contract Worker shall mean a person who is employed on a contract basis which does not constitute full time employment and for which the benefits of a full time employee will not apply.

Credit agreement

Credit agreement means the credit agreement entered into between the Insured Person and HomeChoice.

Credit life insurance

Includes cover payable in the event of a consumer’s death, disability, unemployment, or other insurable risk that is likely to impair the consumer’s ability to earn an income or meet the obligations under a credit agreement:

Credit provider

Credit provider means HomeChoice (Pty) Ltd (“HomeChoice”) (Reg.no 1985/002759/07), NCR registration number NCRCP 454.

Date of Disability

The Date of Disability shall be the date on which the insured became disabled on the basis of objective medical or professional evidence having regard to an Insured’s last date of active employment of ability to earn an income. In regard to Insured’s that are not in full time employment, the Date of Disability shall be determined by the Insurer and shall be determined by the date on which the Insured has ceased to be able to perform his normal actions and functions in relation to the care of his person. For purposes of this policy the results of Disability shall be that the Insured in, in the Insurer’s opinion, incapable of receiving an income or proft in his/her own occupation or any other occupation for which he/she could reasonably be expected to become qualifed by knowledge, training, education, ability, age
and/or experience.

Disability

Disability shall mean that an Insured becomes so physically or mentally impaired , whether totally or partially or temporarily or permanently, that the Insured’s ability to earn an income or meet the obligations under a Credit Agreement is impaired, and includes, but is not limited to,
Occupational Disability.

Employed

Shall mean receiving remuneration (a salary) in reward for performing functions in relation to a permanent employment contract.

Employer

The Employer by whom the Insured is employed and who directly or indirectly remunerates the Insured for such employment.

Exclusion

Means a loss or risk event not covered under a policy.

Expiry of insurance cover

Expiry of Insurance cover means the date from which all benefits and premiums in respect of this policy will cease to be payable, and is equal to the earlier of:

your death and payment of the death benefit; or Your total and permanent disability and the payment of this benefit; or all benefits pertaining to the policy being cancelled or expired; or The policy becoming lapsed. A policy is said to lapse when the premiums payable in respect of the policy are not made in full and on time; or the non-payment of any premium within 31 (thirty-one) days of the premium due date; or the payment of a claim, where the claim amount is equal to the outstanding liability; or the payment of the full balance outstanding on the credit
facility; or
The termination of the credit agreement in terms of sections 122 or 123 of the National Credit Act 34 of 2005 (as amended). Guardrisk

Guardrisk Life Limited (“Guardrisk”) (Reg. no 1999/013922/06; FSP no 76) is a registered insurer and a licensed fnancial services provider (FSP) that is allowed to sell long-term insurance products. Guardrisk has professional indemnity and fdelity insurance. Guardrisk is authorised to give adviceand render fnancial services for product CATEGORY I: Long Term Insurance Category A, B1, B2 and C.

Instalment

The regular payments that the Insured Person is obliged to make in terms of the Credit agreement each month.

Insured Person

Insured Person means the person who has been accepted as the main Insured Person in terms of this policy and who is the consumer in terms of the credit agreement
with HomeChoice.

Loss of Income Benefit

Loss of income shall mean a total loss of permanent, contract or temporary employment, or any other form of income that you have received for at least 3 months prior to the Commencement Date. The loss of income must be total in nature and does not include cover for loss of any supplementary income whilst the main income remains in force. In the event of a claim, full outstanding balance will be paid, provided the loss of income remains for the full period. Any purchases made on your account after the date of the insured event will not be covered by this policy.

National Credit Act

Means the National Credit Act, 2005 (Act No. 34 of 2005).

Occupational disability

Means a form of disability where a person’s impaired ability to earn an income or meet the obligations under a credit agreement, arises from a physical or mental impairment which renders the person unable to continue his or her employment, own occupation, profession or trade.

Optional credit life insurance

Means credit life insurance contemplated in section 106(3) of the National Credit Act.

Outstanding liability

Outstanding liability means the amount of the outstanding balance due by you in terms of the credit agreement as at the claim
payable date.

Period of insurance

Period of insurance means the period between the commencement of insurance and the expiry of
insurance cover.

Physician or medical practitioner

Physician or medical practitioner means a person legally licensed, registered and duly qualifed to practice medicine and surgery (other than the policyholder, an Insured Person or a member of their family).

Pre-agreement statement(s) and quotation(s)

Pre-agreement statement(s) and quotation(s) means the pre-agreement statement and quotation for small and intermediate credit agreements issued by HomeChoice in terms of section 92 of the National Credit Act 34 of 2005, in which inter alia the details of the Insured Person, the insurance premium calculation and insurance policy type is shown.

Repudiate

Repudiate in relation to a claim means any action by which an insurer rejects or refuses to pay a claim or any part of a claim, for any reason, and includes instances where a claimant lodges a claim –

in respect of a loss event or risk not covered by this policy; and in respect of a loss event or risk covered by this policy, but the premium or premiums payable in respect of this policy are not paid. Retrenchment

Retrenchment means becoming unemployed or unable to earn an income after the commencement of cover, as a result of the implementation of a staff reduction program, adverse business conditions, the introduction of new technology, reorganisation by the employer, liquidation of the employer or staff reductions as contemplated under the Labour Relations Act 1995 (as amended), and which results in the Insured Person not earning an income from any occupation.

Self Employed

Shall mean the working for oneself rather than for an employer for remuneration or income.

Service provider

Means any person (whether or not that person is the agent of the insurer) with whom an insurer has an arrangement relating to the marketing, distribution, administration or provision of policies or related services.

Temporary Worker

A temporary worker is a part time or contingent worker who is employed on a short term basis and who lacks a full time permanent employment contract.

Terrorist activity

Terrorist activity means an act involving the use of violence and/or intimidation, or the threat or the preparation thereof, which appears to be intended to disrupt, coerce or influence a government or the public or a section of the public, read together with Section 1 of the Protection of Constitutional Democracy Against Terrorist and Related Activities Act (Act No. 33 of 2004) as amended.

Temporary disability

Temporary disability means medically certifed disabled as a result of illness, injury, infrmity or disease and which prevents the Insured Person from following his/her occupation in which the Insured Person was gainfully employed immediately prior to the onset of such disability provided that the disability endures for an uninterrupted period of 31 (thirty-one) days or more and results in a 20% reduction or more of the monthly basic income of the Insured Person. The disability will, after treatment, improve and only temporarily prevent the Insured Person from earning a full basic income for a period of time. Should the disability not improve by the end of the benefit period, and medical evidence confrms the disability no longer temporary, the disability will be regarded as permanent in nature and the full outstanding liability of the credit agreement will become payable.

Total and permanent disability

Total and permanent disability means medically certifed total disability as a result of illness, injury, infrmity or disease and which cannot be cured or treated, and which prevents the Insured Person from earning an income by following his/her own occupation, or any other for which he/she is suited in terms of training, education, age and experience. An Insured Person shall also be deemed to have suffered total and permanent disability upon the loss or loss of use of both hands, both feet (or one of each) or both eyes.

Treatment or advice

Treatment or advice means the regular or routine examination by, or consultation with, a physician or medical practitioner for the purpose of monitoring existing medical conditions.

Void

Void means to stop a contract from being legally binding. A void contract is not a contract at all because the parties are not, and cannot be, bound by its terms. A contract that is void is not legally enforceable; as if it did not exist. Premiums will be refunded when Guardrisk voids a policy.

Waiting period

Waiting period means the period, starting on the commencement of cover for a particular benefit, during which the occurrence of a claim event does not result in a benefit becoming payable. This is the period during which a policyholder is not entitled to policy benefits as no cover is in place.

You

The Insured Person(s) as stated in the credit agreement.

Treating customers fairly

This product has been created to meet the requirements of our clients. We will at all times deliver on customer service and customer expectations by enforcing the principles of Treating Customers Fairly (TCF). The TCF principles ensure we apply fairness to all client experiences relating to new business, policy terms, service and claims processes. The TCF framework has 6 outcomes which are:

You are confdent that Your fair treatment is key to our culture; Products and services are designed to meet Your needs; We will communicate clearly, appropriately and on time during the lifespan of Your policy; We provide advice which is suitable to Your needs and circumstances Our products and services meet your standards and deliver what You expect; There are no unreasonable barriers to access our services, or to lodge a claim or to lodge any complaints.

Information about this policy

Insured Persons who wish to communicate with HomeChoice, the credit provider and binder holder, to update details or to make a claim,
can contact:

Telephone number 0861466324 Fax number 021 680 1100 Postal address Private Bag X123, Claremont, 7735 Email contact@homechoice.co.za

Commission of 5% and a binder fee of 9% of the total monthly premium is payable to HomeChoice. All fees are included in the monthly premium.

For the Guardrisk Conflict of Interest Management and Complaints Resolution Policies please visit our website www. guardrisk.co.za.

This is a credit life policy. The policy wording sets out the details of the benefits. For information about when and how much you must pay and what will happen if you do not pay, you must read this full policy document.

To communicate with Guardrisk to ask any questions in connection with this policy kindly contact: Guardrisk Life Limited Postal address PO Box 786015, Sandton, 2146 Telephone number: 011 669 1000 Email: info@guardrisk.co.za Guardrisk Compliance Offcer, Tel: (011) 669-1104, Fax: (012) 675-3826
Email: compliance@guardrisk.co.za

How to claim

In the event of a claim, Insured Persons must contact HomeChoice at their address above to obtain a claim form and to be advised of all additional documentation that is required for the claim to be processed.

The documentation that is required includes (but is not limited to):

A certifed copy of the ID document of the Insured Person; For death claims: a certifed copy of the death certifcate of
the deceased;
For permanent disability claims: copies of medical records and opinions in support of
the disability;
For loss of income/retrenchment claims: a copy of the UIF card/salary advice and an original letter from the employer confrming retrenchment/loss of income. Only original documentation will be accepted. In the event that the original is not available, only copies certifed by a Commissioner of Oaths will be accepted. Documentation can be faxed/emailed so that the claims department can start processing the claim. Guardrisk shall at all times have the right to inspect all documents relating to the policy and will communicate with HomeChoice, the Insured Persons, the credit provider or appointed executor regarding any problems with the documentation.

Complaints procedure

The Insured Person can contact HomeChoice at the address above if there is a complaint about the information or service received
from HomeChoice.

If a complaint relating to advice is not resolved to your satisfaction by HomeChoice, the complaint may be submitted to the FAIS Ombudsman: Postal address: PO Box 74571, Lynnwood Ridge 0040
Share call number: 0860 324 766
Telephone number: 012 470 9080
Fax number: 012 348 3447,
Email:info@ faisombud.co.za

Complaints about the policy may be submitted to Guardrisk: Guardrisk Life Limited, Postal address: PO Box 786015, Sandton, 2146
Telephone number: 011 669 1000
Email: complaints@guardrisk.co.za

If a complaint relating to any claim is not satisfactorily resolved by Guardrisk, the complaint may be submitted to the Ombudsman for Long-Term Insurance:

The Ombudsman for Long-Term Insurance, Postal address Private Bag X45, Claremont 7735 Telephone number: 021 657 5000 Fax number: 021 674 0951, Email: info@ ombud.co.za

Reg Registrar of Long Term Insurance Financial Sector Conduct Authority
PO BOX 35655, Menlo Park, 0102
Tel: (012) 428 8000
Fax: (012) 347 0221,
Email: info@fsca. co.za

Matters of importance

You must accurately, fully and properly disclose all material facts. All information provided by you or on your behalf is your own responsibility. You need to be satisfed with the accuracy of any transaction submitted by anyone on your behalf. You must not sign any incomplete or blank documents. No person may request or insist that you
do so.
You will be informed of any material changes to the information about the intermediary, insurer or underwriter
mentioned above.
If any of the information mentioned above was given orally, this document serves to provide you with the information in writing. Should you not be satisfed with the policy, you have 31 (thirty-one) days from receipt of this document to cancel the policy in writing at no cost. Cover will cease upon cancellation of the policy. You will always be given a reason for the repudiation of a claim. Do not be pressurised to purchase this product. Failure to provide correct or full information may influence the insurer on any claims arising from this policy.