As a Jet account holder you have access to a wide range of affordable, high-quality insurance and financial products which include:

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1 SOUTH AFRICA

2 CONTENTS As a Jet account holder you have access to a wide range of affordable, high-quality insurance and financial products which include: YOUR LIFE Jet Accident Insurance Plan Jet Family Provider Plan Commuter Travel Insurance Personal Funeral Plan Parent Funeral Plan Family Funeral Plan Jet Life Cover Account Protection Plan 10 YOUR HEALTH Hospital Cash Back Plan Dental Accident Plan Dental Health Plan YOUR STUFF Jet Home Protect Cellphone Insurance Plan* Gadget Insurance Plan* 14 YOUR LAWYER Jet Legal Insurance 15 *Product can only be taken up on new products purchased at an Edcon store, on account.

3 1 For many years, Jet has been helping people look their best. Now we re offering you a wide range of simple insurance products which you can simply activate, on your account, at your nearest Jet store. Apart from being able to charge your insurance to your account and pay your premium at your nearest store monthly, you can also submit your claim at your nearest Jet store. Claims get paid out within 48 hours of submitting all the valid claim documentation. It is That Easy to prepare for the unexpected and thinking ahead with Jet Financial Services. Here are the benefits of buying our insurance products using your account: Charge your clothes and insurance to one account. One monthly instalment for both insurance and clothing accounts. No bank fees. No service fees. No products in this brochure are available in Lesotho.

4 2 JET ACCIDENT INSURANCE PLAN UP TO COVER The Jet Personal or Family Accident Insurance Plan covers you and/or your family against death and permanent disability in the unfortunate event of an accident. TO JOIN: SMS call me to 42933, call or APPLY IN-STORE. Underwritten by Hollard Life Assurance Company Limited (Reg No. 1993/001405/06)

5 3 CHOOSE AN OPTION THAT BEST SUITS YOUR NEEDS: PERSONAL OPTIONS PREMIUM MAXIMUM COVER OPTION 1 OPTION 2 OPTION 3 OPTION OPTION FAMILY COVER OPTIONS PREMIUM INDIVIDUAL PARTNER CHILD* OPTION OPTION OPTION OPTION OPTION * Up to a maximum of fi ve children, no extended family members. * According to current legislation, children under 14 (fourteen) years of age are eligible for full disability benefi ts, but in the event of death the benefi t is limited to a maximum of (ten thousand Rand) for children up to 6 (six) years of age and (thirty thousand Rand) for children from 6 (six) to 14 (fourteen) years of age. Legislation does not limit the death benefi t for children older than 14 (fourteen) years of age, however, Hollard applies the maximum total benefi t amounts above. Underwritten by Hollard Life Assurance Company Limited (Reg No. 1993/001405/06)

6 4 JET FAMILY PROVIDER PLAN COVER: UP TO PER MONTH It s not easy to imagine your family wanting for anything as basic as food but, fortunately, it is easy to ensure this never happens. Upon your death the Family Provider Plan is designed to ensure that your family receives a monthly pay out to cover some living expenses for a year. You select the person who you would like to be the beneficiary. In the event of your death, that person will receive a set amount to cover some living expenses every month for 12 months. OPTIONS PREMIUM MONTHLY PAYOUT OPTION 1 OPTION 2 OPTION 3 OPTION 4 OPTION TO JOIN: SMS call me to 42933, call or APPLY IN-STORE. Underwritten by Hollard Life Assurance Company Limited (Reg No. 1993/001405/06)

7 5 COMMUTER TRAVEL INSURANCE COVER PER FAMILY UP TO: Whether you travel by car, taxi, bus or train, you need to know that you have life or permanent disability insurance cover in case you re involved in a road accident. That s why we ve created Jet Commuter Travel Insurance to ensure you re covered for such incidents. OPTIONS PREMIUM ROAD ACCIDENT COVER OTHER ACCIDENT COVER PERSONAL FAMILY (MEMBER) (PARTNER) (5 CHILDREN) UP TO UP TO TO JOIN: SMS call me to 42933, call or APPLY IN-STORE. Underwritten by Hollard Life Assurance Company Limited (Reg No. 1993/001405/06)

8 6 JET PERSONAL FUNERAL PLAN COVER: UP TO The Jet Personal Funeral Plan covers you in the unfortunate event of death. OPTIONS PREMIUM AMOUNT INSURED OPTION OPTION The Personal Funeral Plan pays out over and above the existing Jet Club funeral benefi t should you be a Jet Club member. If you have an existing cover you can increase your cover to for an extra a month without affecting your original waiting period. TO JOIN: SMS call me to 42933, call or APPLY IN-STORE. Underwritten by Hollard Life Assurance Company Limited (Reg No. 1993/001405/06)

9 7 JET PARENT FUNERAL PLAN COVER: UP TO PER PARENT OR PARTNER PARENT The Parent Funeral Plan can cover up to four parents/ partner parents and to make it easier for you, insurance premiums will be charged to your Jet Account every month. OPTIONS PREMIUM COVER 1 ST PARENT STAND ALONE ST PARENT ADD-ON FOR EACH ADDITIONAL PARENT 2, 3 & TO JOIN: SMS call me to 42933, call or APPLY IN-STORE. Underwritten by Hollard Life Assurance Company Limited (Reg No. 1993/001405/06)

10 8 JET FAMILY FUNERAL PLAN COVER: UP TO The Family Funeral Plan gives you complete peace of mind and ensures that you and your immediate family are fi nancially prepared for the expense of a funeral, with up to cover from as little as per month. OPTIONS PREMIUM AMOUNT INSURED OPTION 1 OPTION 2 OPTION 3 OPTION TO JOIN: SMS call me to 42933, call or APPLY IN-STORE. Underwritten by Hollard Life Assurance Company Limited (Reg No. 1993/001405/06)

11 9 JET LIFE COVER NEW* COVER: UP TO With Jet Life Cover, underwritten by Hollard, your family can live comfortably, happy in the knowledge that their needs are taken care of with up to cover in the event of your death. Whether it pays off the house or covers school fees, the payout will help your family to continue living comfortably. What s more, you can charge your monthly premium to your Jet Account - it s that easy. JET LIFE COVER COVER MONTH PREMIUM (PREMIUM DEPENDENT ON RISK PROFILE) (PREMIUM DEPENDENT ON RISK PROFILE) *Life cover premiums are dependent on age and risk profi le. Claims are paid upon submission of all valid claim documentation. Jet Life Cover is only available in South Africa. This product only covers the main member s life in the event of death only. No spouse or family cover is available. This product is not sold in Jet stores. TO JOIN: SMS call me to 42933, call or APPLY IN-STORE. Underwritten by Hollard Life Assurance Company Limited (Reg No. 1993/001405/06)

12 10 ACCOUNT PROTECTION PLAN PAY YOUR OUTSTANDING BALANCE UP TO Jet Account Protection Plans will pay the outstanding balance on your Jet Account in the event of retrenchment from permanent employment, permanent disablement or death. CHOOSE FROM: Cover for you alone. Up to cover for 0.35 (or 0.40t in Botswana) for every or part thereof of the highest monthly balance on your account, up to a maximum of premium per month. Cover for your partner. Up to cover for 0.35 (or 0.40t in Botswana) for every or part thereof of the highest monthly balance on your account, up to a maximum of premium per month. Cover for both of you. Up to for you and your partner for 0.70 (or 0.80t in Botswana) for every or part thereof of the highest monthly balance on your account, up to a maximum of premium per month. PLUS FREE Lost Card Protection on all options. If your account card is lost or stolen, any fraudulent transaction on your account will be reversed free of charge. Call or APPLY IN-STORE. Underwritten by Hollard Life Assurance Company Limited (Reg No. 1993/001405/06)

13 11 HOSPITAL CASH BACK PLAN PAY: UP TO PER DAY From as little as per month you can get a a day pay out for every day (24 consecutive hours) that you are hospitalised. Jet Hospital Cashback Plan will pay your benefit out after you are discharged, to help you pay for everyday expenses. This is not a medical aid or a substitute for medical aid. BENEFIT LEVEL PER DAY (MAX 180 DAYS) PER DAY (MAX 180 DAYS) PER DAY (MAX 180 DAYS) PER DAY (MAX 180 DAYS) AGE BAND MEMBER ONLY FAMILY TO JOIN: SMS call me to 42933, call or APPLY IN-STORE. Underwritten by Hollard Life Assurance Company Limited (Reg No. 1993/001405/06)

14 12 JET DENTAL ACCIDENT PLAN INDIVIDUAL FOR FAMILY FOR We ll put a smile on your face! We know how expensive a dentist can be. Jet Dental Insurance takes the pain out of dental bills by contributing a portion towards the total bill. DENTAL ACCIDENT CONDITION EVENT CHIPPED TOOTH TOOTH KNOCKED OUT FRACTURED TOOTH JAW FRACTURE POSSIBLE EVENT FILLING DENTURE CROWN SURGERY COVER PER EVENT PER EVENT PER TOOTH PER TOOTH Family Cover: up to six family members will be covered. TO JOIN: SMS call me to 42933, call or APPLY IN-STORE. Underwritten by The Hollard Insurance Company Limited (Reg No. 1952/003004/06)

15 13 JET DENTAL HEALTH PLAN INDIVIDUAL FOR FAMILY FOR a month a month INSURED EVENT POSSIBLE TREATMENT COVER Tooth decay or abscess poor prognosis or rehabilitation Tooth extraction PER TOOTH Tooth knocked out Denture PER EVENT Dental abscess good prognosis or rehabilitation Root canal PER TOOTH Fractured tooth Crown PER TOOTH Jaw fracture Surgery PER EVENT Cancer of the mouth Surgery PER EVENT Family Cover: up to six family members will be covered. TO JOIN: SMS call me to 42933, call or APPLY IN-STORE. Underwritten by The Hollard Insurance Company Limited (Reg No. 1952/003004/06)

16 14 JET HOME PROTECT MAXIMUM COVER: UP TO Get Jet Home Protect for peace-of-mind when it comes to covering your biggest investment. Jet Home Protect provides cover against accidental damage to your home and will replace stolen possessions. No waiting period, only excess apply. PREMIUM COVER MAXIMUM COVER COVER IN THE EVENT OF: COVER IN THE EVENT OF: COVER IN THE EVENT OF: A natural disaster causing damage to structures and walls - Accidental damage to structures and walls - A natural disaster causing damage to home contents - Accidental damage to home contents - Theft of household contents (limited to 2 incidents per year) *Available in SA only *Damage excludes owner carelessness *An excess of applies TO JOIN: SMS call me to 42933, call or APPLY IN-STORE. Underwritten by The Hollard Insurance Company Limited (Reg No. 1952/003004/06)

17 15 JET LEGAL INSURANCE COVER: UP TO Accidents, disputes and disagreements can quickly become a legal nightmare. If you ever need a lawyer, Jet Legal Insurance will ensure that you get excellent legal advice and/or representation. It s that easy. PLANS SILVER PLAN GOLD PLAN PREMIUM PER MONTH Insured events. The benefit limits to identity-theft-related matters: COVER per matter or year plus ID thef t assist cover per matter or year plus ID thef t assist cover PLANS LEGAL EXPENSES LOST INCOME Premiums will be charged to your Jet Account monthly. See policy terms and conditions for full details. OBLIGATION TO PAY MISCELLANEOUS EXPENSES SILVER & GOLD TO JOIN: SMS call me to 42933, call or APPLY IN-STORE. Underwritten by The Hollard Insurance Company Limited (Reg No. 1952/003004/06)

18 SUMMARY OF PRODUCT, RESTRICTIONS, EXCLUSIONS, PROVISIONS AND CONDITIONS 1. Funeral Plans and Family Provider 1.1 Compulsory annual increases The premiums increase every year by the Annual Premium Increase percentage specified in your Policy Schedule The benefit amounts increase every year by the Annual Benefit Increase percentage specified in your Policy Schedule You may fix your premium and benefit levels once; at any stage during the life of your policy The premium and benefit increases will cease on the earlier of the Main Insured Person s 75th birthday or the Partner s 75th birthday. 2. Family, Personal Accident and Commuter Plans 2.1 Hollard will not be liable to pay a benefit if any claim arises directly or indirectly from or is traceable to: wilful exposure to danger (except in an attempt to save human life), intentional self-inflicted injury,suicide or attempt thereat; any Accident which resulted in the death or disability of the Insured Person where the Accident occurred prior to the Benefit Inception Date; an Insured Person driving any type of vehicle when the Insured Person had a blood alcohol content that exceeded the legal limit allowed for driving by the laws of the country where the Accident occurred; the use of drugs by an Insured Person, unless it is proved that the drug was used in accordance with proper medical prescription and not for the treatment of a drug addiction; an Insured Person refusing medical treatment recommended by a Medical Practitioner; 3. Hospital Cashback Plans 3.1 Hollard will not be liable to pay a benefit if any claim arises directly or indirectly from or is traceable to: wilful exposure to danger (except in an attempt to save human life), intentional self-inflicted injury, suicide or attempt thereat; any Accident which resulted in the death or disability of the Insured Person where the Accident occurred prior to the Benefit Inception Date; an Insured Person driving any type of vehicle when the Insured Person had a blood alcohol content that exceeded the legal limit allowed for driving by the laws of the country where the Accident occurred; the use of drugs by an Insured Person, unless it is proved that the drug was used in accordance with proper medical prescription and not for the treatment of a drug addiction; an Insured Person refusing medical treatment recommended by a Medical Practitioner; the unreasonable or wilful neglect or failure of an Insured Person to seek and remain under the care of a Medical Practitioner; hospitalisation due to obesity, cosmetic or plastic surgery (including breast reduction and enlargement) except in the case of bodily reconstruction as a direct result of an injury sustained in an Accident; hospitalisation due to any form of mental illness, mental disability, mental impairment and psychopathic disorders, all forms of depression, major affective disorders, psychotic and neurotic conditions, as well as all stress and anxiety related disorders; hospitalisation of the Insured Person s own choosing which has no connection with any illness; hospitalisation for routine physical or other examination where there are no objective indications or impairment in normal health; hospitalisation for the investigation of pain and pain related conditions and treatment in this context includes bed rest, traction, physiotherapy, spinal blocks, medication or intravenous medication; hospitalisation due to pregnancy or due to complications related to pregnancy where childbirth occurs earlier than 60 (sixty) days before the expected due date; hospitalisation for the treatment of infertility or the artificial insemination of a person as defined in the Human Tissues Act, 1983 (Act 65 of 1983) or any amendment thereto or replacement thereof; hospitalisation not recommended by a qualified physician. 4. Dental Plans 4.1 Restrictions on the number of claims A maximum of 2 (two) claims in a consecutive 12 month period is allowed per Insured Person for a Chipped Tooth as a result of eating per each Insured Person. 4.2 Hollard will not be liable to pay a Benefit if any claim arises directly or indirectly from: the replacement of existing artificially replaced teeth, crowns, bridges, implants & dentures;.

19 4.2.2 deciduous teeth (milk teeth) being Chipped, Knocked or Fractured. 5. Cellphone Insurance Plans 5.1 Limitation of benefits A maximum of 3 (three) claims will be entertained within a 12 (twelve month period The benefit shall not be paid in cash and the benefits in terms of this policy shall be the replacement value of the Handset with a product of similar quality and price. The maximum benefit will be equal to the replacement value of the Handset at Date of Loss but not exceeding the maximum Insured Value as indicated on the Policy Schedule. 5.2 Excess In respect of the first event that gives rise to a claim You will be responsible for R90 (ninety rand) Excess for a phone valued at R2000 (two thousand rand), R200 (two hundred rand) Excess for a phone valued at R R3500 (two thousand and one rand to three thousand and five hundred rand), R300 (three hundred rand) Excess for a phone valued at R R5000 (three thousand five hundred and one rand to five thousand rand). This amount is payable in cash at any Edgars/Jet store at time of reporting the claim. A receipt will be provided as proof of payment The excess amount will increase with the second and third claim. See policy terms and conditions for details The policy will be cancelled after 3 (three) claims within 12 (twelve) consecutive months. 5.3 Hollard shall not be liable for: The Excess amount as stated in the policy unless the insured event arises from fire, lightning or explosion; loss or damage from: Wear and tear, maintenance, depreciation, deterioration or other gradually operating causes; change in temperature or humidity, the action of light or climatic or atmospheric conditions unless caused by storm, wind, hail or snow; theft from an unattended vehicle, unless the Handset is completely concealed and the vehicle is secured and locked at all points of access and entry is gained by forcible, violent and visible means of which there is evidence or the vehicle is locked or secured in a building; any loss or damage to any stolen Handset in Your possession. 6. Legal Plans 6.1 Excess payment When You consult a legal service provider who is not a member of Our panel of legal service providers, after confirmation of a valid claim, You will be responsible for the first R100 (one hundred rand) payable to this legal service provider The Excess is payable at the first consultation with such legal service provider For any Identity Theft claims You will be responsible for paying R250 (two hundred and fifty rand) Excess for any one claim or series of claims in any one 12 (twelve) month Period of Insurance. 6.2 We will not be liable for claims where: You have received a summons or other legal process 6 (six) months or more after the date of cancellation or termination of this Policy, even if the cause of action relating to such summons or legal process occurred during the Period of Insurance; You issue summons or institute any other legal proceeding outside the Period of Insurance even if the cause of action relating to such summons or other legal proceeding occurred during the Period of Insurance. 7. Plans General Items 7.1 Transferability / cessionability No rights or benefits payable under this policy may be ceded or transferred to any third party You may exercise all rights provided for by this policy without the consent of any of the beneficiaries. 7.2 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. 7.3 Territory covered Any Insured Person ordinarily resident in the Republic of South Africa will be covered in terms of this policy. Cover is extended to include a visit lasting for a period of less than three months outside the territory covered. 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. 7.4 Policy fee A monthly policy fee, as reflected in the Policy Schedule, is payable in addition to the benefit premiums, as reflected in the Policy Schedule Hollard may increase the policy fee on an annual basis in-line with any increase in administration costs by giving you 30 (thirty) days written prior notice thereof.

20 7.5 Criminal activities Hollard 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 at common-law, by the Insured Person, or by anyone acting on behalf of the Insured Person or with the Insured Person s connivance and/or 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 may be voided or cancelled as from the date of the criminal offence, at Hollard s discretion 7.6 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 this policy being cancelled, a claim rejected or the policy voided from inception and all your premiums forfeited In the event that a benefit has been paid as a result of any misrepresentation, non-disclosure, misdescription or fraudulent action by an Insured Person or by any person claiming any benefit under this policy, such person will be required to repay or return the benefit paid. Hollard shall be entitled to take legal action to recover the benefit and any costs involved. 7.7 Clerical error A clerical error by Hollard shall not invalidate insurance otherwise validly in force, nor continue insurance otherwise not validly in force. 7.8 Insurable interest In order for an insurance policy to be valid, you are required to have an insurable interest in the Insured Person. This means that there needs to recognised relationship between you and the Insured Person and as a result of this relationship, you reasonably expect that you will incur a financial expense in the event of the death of the Insured Person. Where no insurable interest exists on the Inception Date or Restart Date, the policy shall be void from the Inception Date of cover. 7.9 Premium payment days of grace A period of 30 (thirty) days is allowed for the payment of each premium for the first 12 (twelve) premiums. For every 12 (twelve) premiums that is paid in a row the period within which to pay the premium is extended by another 30 (thirty) days, subject to a maximum grace period of 6 (six) months. Once a grace period ha been used it cannot be used again until all the premiums that are in arrears have During the grace period all benefits will remain in force. If any event occurs during the grace period that results in a valid claim, the unpaid premiums will be deducted from any amount paid out If any premium is not paid and received by Hollard during the grace period, the policy will automatically be cancelled and no Funeral Benefit will be paid The premium grace period does not apply to the payment of the first premium on inception of the policy Premium payment Premiums are due monthly on the date of billing of your Jet Account Jet will notify the Main Insured Person of any non-payment of premium (thirty) day policy review period Hollard will provide you with a copy of the policy document and policy schedule within 30 (thirty) days of receiving the application form and/ or telephonic confirmation from you Where no claim has been instituted in terms of this policy or where no right has accrued to an Insured Person to institute a claim or receive any benefit in terms of the policy, you may, within 30 (thirty) days of your receipt of the policy documentation from Hollard, cancel the policy by contacting Edcon Customer Care Services on and informing them of the cancellation All premiums paid to Hollard during this 30 (thirty) day review period will be refunded by Hollard, subject to the deduction of the cost of any cover actually enjoyed Such cancellation shall commence on the date of posting such notice. If a premium has been paid for any period beyond the date of cancellation of the policy, Hollard thereof shall refund the relevant portion of the premium No premium no cover This policy is conditional upon and will only commence following the payment of the first premium Premiums are due and payable monthly on the date of billing of your Jet Account This policy does not acquire any paid up value or surrender value.

21 7.13 Cancellation You may cancel this policy at any time by giving 30 (thirty) days notice, in writing and/or telephonically, to Jet of the cancellation of the policy Hollard may cancel this policy at any time by giving 30 (thirty) days notice, in writing and/or telephonically, to you of the cancellation of the policy Such cancellation notice shall be accepted from the date of posting such notice The cancellation shall commence on the next Premium Due Date of the policy. If a premium has been paid for a period beyond the date of cancellation of this policy, Hollard shall refund the relevant premium Hollard cannot be held responsible for any damages suffered to you due to cancellation requested by you, where you do not inform the Insured Persons of such cancellation Continuation of cover Following the termination of the policy cover may be: reinstated, subject to Hollard agreeing to such reinstatement and the receipt of all arrear premiums; or restarted, subject to Hollard agreeing to such restart and the receipt of an administration charge And subject to the terms and conditions advised at the time of the reinstatement or the restart request Premium and policy amendments Hollard may increase the premium amount from time to time by giving you 30 (thirty) days written notice of such increase Hollard may amend this policy by way of endorsement, provided that any amendment will not affect the extent of cover already provided for and in force in terms of this policy Changes in details supplied Should there be any changes to the original details supplied by you at the time of application of the policy and/or specified in the policy schedule, you must notify Jet, in writing within 30 (thirty) days of such change occurring Should you not notify Jet of such change, Hollard reserves the right to reject liability in terms of a claim or to cancel this policy Consent to disclosure of private information It is essential for insurance companies to share claims and underwriting information (as well as credit information) in order to enable the fair assessment and underwriting of risks and to reduce the number of fraudulent claims You hereby waive any right to privacy and consent to the disclosure of any insurance information provided by you or on your behalf for any personal information and insurance policy or claim made or lodged by you or on your behalf and you agree to such information being disclosed to any other insurance company, whether on your behalf or on behalf of any person you represent herein This consent clause will survive the termination for whatever reason of the policy, including the cancellation or lapsing thereof The information provided may be verified against other sources or databases Condition precedent Hollard s liability in terms of this policy is conditional on you, or anyone acting on your behalf, complying with all the terms, conditions and warranties of this policy Hollard s liability Hollard will not be liable to make any payment unless the premium due in terms of this policy has been received, and the applicable documentation, data or medical evidence and satisfactory proof of a claim, as required by Hollard has been provided to Hollard at your, or if applicable the Nominated Beneficiary or appointed Executor s expense Payment by Hollard of the benefits provided in the event of a valid claim in terms of this policy will be a full and effective discharge by Hollard of its liability and obligations in terms of the policy No benefit payable under this policy shall carry interest Claim notification period On the happening of an event, which may result in a claim in terms of this policy, you, the Nominated Beneficiary or appointed Executor shall, at their own expense submit the claim to Hollard You, the Nominated Beneficiary or appointed Executor must submit to Hollard, the full details in writing of the claim as soon as reasonably possible up to a maximum of 180 (one hundred and eighty) days from the date of the event giving rise to the claim Hollard 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. PLEASE NOTE: This list is only a summary, highlighting some of the policy conditions and exclusions. A FULL list of conditions and exclusions, as applicable to your policy is on your policy wording document, which will be sent to you within thirty (30) days.

22 AGENT RECORD OF DISCLOSURE Confirmation of information about financial services 1. You have purchased the (insert Product Name[s]) which provides cover for: 2. The nature and extent of the benefits to be provided is summarised below. 3. You are responsible to pay the monthly premium every month via your store account. If you fail to pay the premium as required, cover under the policy will cease. 4. There might be a waiting period which will apply prior to being able to receive the full benefits of the product (see policy document for details). 5. You have a cooling off period of 30 days, which starts when you receive your policy documents, provided no claim was lodged and paid, within which you may choose to cancel this insurance policy and have all premiums paid refunded to you in full. 6. The schedule of expected premium increases will be explained to you and will be detailed in the policy schedule that you will receive together with your Hollard Life policy document when this is posted to you. Assured Agent 7. You are responsible for the completion of all information required for taking out this insurance policy, even if information has been completed by the support person Direct Channel Holdings on your behalf. Incorrect information supplied by you may affect your claim. Agent 8. A full list of policy conditions and exclusions is contained in your policy wording document. Supplier information 9. Your insurance policy is underwritten by Hollard, who can be contacted at 22 Oxford Road, Parktown, Johannesburg, 2193 or The Financial Services Provider (FSP) that sold the policy to you is Hollard Life Assurance Company, company registration number 1993/001405/06 or The Hollard Insurance Company Limited, FSP Number and company registration number 1952/003004/06. You can reach Hollard s Complaints and Compliance Departments at The Financial Services Provider (FSP) that sold the policy to you is Direct Channel Holdings, company registration number 2001/010225/07 or Direct Channel Gauteng Limited, company registration number 2006/015103/07. You can reach Direct Channel Gauteng Compliance Officer: Mr Hennau Wentzel on The Financial Services Provider (FSP) that sold the policy to you is Alpha-one Consulting (Pty) Ltd, company registration number 2012/121459/ The Financial Services Provider (FSP) that sold the policy to you is MarketSA (Pty) Ltd, company registration number CK96/61969/ The Financial Services Provider (FSP) that sold the policy to you is PerDM Consulting (Pty) Ltd, company registration number 2010/010056/ The Financial Services Provider (FSP) that sold the policy to you is SuccessA Call Centre Solutions, company registration number 2007/097452/ The Financial Services Provider (FSP) that sold the policy to you is Topaz Sky (Pty) Ltd, company registration number 2007/108868/ Hollard is authorised in terms of its FSP licences to render financial services in respect of long / short term insurance policies. 18. Hollard has professional indemnity and fidelity insurance cover. 19. The in-store Hollard/Direct Channel Holdings support person receives a commission for every successful policy sale on a sliding scale. 20. Hollard performs the claims administration for your policy. In the event that you have a claims query, please contact the claims department as detailed in your policy document. Please have your policy number handy.

23 CUSTOMER DECLARATION OF NON-ADVICE DISCLOSURE I, (Full names of customer) with ID Number Acc No. declare that: I am aware that I have purchased the (Product Name/s) on a non-advice basis as per the FAIS ACT. This means that the in-store Support Agent did not make a recommendation or proposal or provide me with guidance of which product I should purchase. I understand that the in-store Support Agent, has presented the benefits and features of the product to me so that I can make an informed decision of my own and did not influence or coerce me in any way to purchase the product. I understand that the in-store support person who presented the marketing material and product information to me is not authorised under FAIS Act to provide me with advice, and I confirm that no such advice was provided to me. I was informed that if I required advice, i.e recommendation, guidance or proposal, I was free to consult with an independent financial advisor or utilise the FAIS Accredited Call Centre at , before concluding the sale of this insurance policy. CUSTOMER INITIAL CUSTOMER INITIAL CUSTOMER INITIAL I freely chose to proceed with the sale on a non-advice basis. I understand that I freely chose to purchase the product without making use of the opportunity to consult with an independent financial advisor or call centre based on the explanation of the product benefits and features. All the information contained in this document has been properly and completely explained to me, I am aware of all of the information contained therein, and I have been offered the opportunity to ask questions in respect of any information that I did not understand. CUSTOMER INITIAL CUSTOMER INITIAL CUSTOMER INITIAL / / CUSTOMER SIGNATURE DAY MONTH YEAR I, (full names of consultant) declare that I have explained the record of disclosure to the customer. Consultant User Number / / AGENT SIGNATURE DAY MONTH YEAR

24 SIGN UP IN-STORE NOW! SMS CALL ME TO OR CALL SPEAK TO US NOW! MIS-4331 Underwritten by Hollard Life Assurance Company Limited (Reg No. 1993/001405/06) an Authorised Financial Services Provider. Edcon is a juristic representative of Hollard. Underwritten by The Hollard Insurance Company Limited (Reg No. 1952/003004/06) an Authorised Financial Services Provider. Edcon is a juristic representative of Hollard.