cib vertex Tel No: E Riley Road, Riley Road Office Park, Bedfordview, Gauteng, 2008

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1 cib vertex CONTACT Tel No: ADDRESS 15E Riley Road, Riley Road Office Park, Bedfordview, Gauteng, 2008 CIB (Pty) Ltd is an Authorised Financial Services Provider (FSP No. 8425). Underwritten by Guardrisk Insurance Company Limited (FSP No. 75).

2 When you live an extraordinary life, you deserve an insurance partner that understands that it s less about the value of your assets and more about what s of value to you.

3 CIB 3 / 12 CIB VERTEX Many high-end insurers promise differential treatment while offering negligible value. At CIB, we look beyond the financial implications to consider what s important to you on a personal level. We understand that as a high net worth individual, you don t need more expensive or more comprehensive cover, but a policy that truly appreciates the complexities created by an elevated standard of living. This is the thinking behind VERTEX, CIB s elite offering. VERTEX bundles together a wealth of unique risk features, including a Value at Risk (VAR) on your household contents and specialised underwriting that caters for the high net worth individual. We ve included a dedicated assistance line, skilled assessors to accurately assess your luxury assets, and trusted advisors to manage your cover in a way that allows you to truly enjoy the best of what life has to offer, with complete peace of mind. You ll never be bogged down by unnecessary paperwork. You ll never be faced with lists of exclusions and reams of red tape, just because your lifestyle is different. Since all VERTEX policies are supported by people and processes that are inherently easy to deal with, it s no surprise that CIB has become a popular choice for discerning clientele across South Africa. YOU LIVE. WE INSURE.

4 4 / 12 CIB How do I qualify? 35 years or older Main residence: minimum contents sum insured of R1,000,000 Combined insured assets (non-motor): minimum of R3,000,000

5 CIB 5 / 12 How is Vertex different from your average insurance? A dedicated VERTEX Home & Motor assistance line: , at your disposal 24/7/365 Extended basic cover which provides cover for loss or damage from any event not specifically excluded or limited under this policy Clients no longer need to specify items within their item limit as the assets based cover provided will ensure all items removed from the insured address are protected under this policy. A Value at Risk (VAR) is conducted at inception and is valid for a period of two years, ensuring your claims are processed efficiently Enhanced household contents, with an all-inclusive list of extensions which include, among others, removal of fallen trees, damage to landscaping, emergency benefit towards guests or domestic employees, personal belongings of parents, grandparents and students, loss of keys and veterinary expenses Vehicles less than two years old insured on the policy will be replaced with a new vehicle in the event of a total loss Access to a complimentary list of proficient valuators specialising in jewellery, fine arts, antiques, collectables and silverware who have been carefully selected for their expertise. These suppliers understand the demands of this prominent, fast moving market and have been selected to facilitate precise and prompt claims settlement

6 6 / 12 CIB What does it include? Home Owners covers your home s residential structures as well as any fixtures or fittings that belong to you Household Contents provides insurance protection for the contents of your home Fine Art All Risks allows you to claim for loss or damage to those specified items you normally wear or carry with you outside your home (certain exclusions and limits apply) Personal Accident Personal Liability of R3 million Supplementary Liability up to R20 million Vehicle cover including the likes of high-performance cars and motorcycles Watercraft SASRIA special risk insurance for riots, strikes, terrorism, civil commotion and public disorder to businesses and individuals

7 CIB 7 / 12 HOMEOWNERS: extended basic cover: Loss of rent Cover before property transfer Alterations or additions Maximum R600,000 within a 12 month period Included Notify within 6 months 25% of Sum Insured Specific Clauses (limits) Swimming pool and borehole machinery Emergency accommodation Loss of water by leakage Tracking of leaks Removal of fallen trees Damage to gardens and landscaping Temporary removal of fixtures Essential alterations Emergency benefit towards guests or visitors Emergency benefit towards domestic employees Guards Wild animal damage Power surge (Including Load Shedding) R25,000 per event R5,000 per night Maximum R25,000 per event Up to R25,000 limited to 2 incidents in any 12 month period Up to R100,000 Excluding repairs Up to R15,000 as a result of storm, wind, hail, snow or flood Up to R50,000 as a result of fire or explosion or accidents by vehicles or aircrafts or people fighting fire 10% of sum insured, limited to R250,000 per event R100,000 following permanent disablement Up to R5,000 per event following accidental injury Up to R10,000 per event following accidental injury R2,000 per day, maximum R10,000 per event Up to R50,000 per event R100,000 (Cover can be increased at an additional premium) Optional Cover White goods Amount as shown in the schedule. Additional premium to be paid for loss or damage of property caused by fire, lightning, explosions, thunderbolt, and theft by means of visible, violent, and forcible entry to any building insured by us, including those that are let out. Extended subsidence and landslip Matching building material Amount as shown in the schedule Additional premium to be paid to create a uniform effect throughout the private residential structure following a claim for the replacement of damaged property.

8 8 / 12 CIB Household contents: basic cover: Basis of cover Cover outside and away from the private residence Fixtures and fittings of tenants Debris removal Power surge (Including load shedding) Assets based Subject to General Conditions and Exclusions Conditions, Exclusions and limits of this section As per extended basic cover selected Actual costs Actual costs Actual costs Specific Clauses (limits) Loss of rent Loss of water by leakage Tracing of leaks Emergency accommodation Theft of money Veterinary expenses Loss of keys (excluding motor) Property of guests Personal belongings of domestic employees Personal belongings of parents or grandparents living in nursing homes Personal belongings of students living in university or technicon residence, flat or hostel. Contents of refrigerators and freezers Office contents Accidental death Maximum R within a 12- month period Up to R25,000 limited to two incidents in any 12 month period Up to R100,000 excluding repairs R5,000 per night maximum R25,000 per event Up to R25,000 per event Up to R5,000 per event Actual costs Up to R50,000 per event Limited to R50,000 per event subject to violent or forcible entry R75,000 Subject to violent, forcible and visible entry. Risk address to be specified on schedule. R personal belongings on an All Risk basis (no charge) R75,000 Subject to violent, forcible and visible entry. Risk address to be specified on schedule. R15,000 personal belongings on an All Risk basis (no charge) Up to R25,000 per event R250,000 excluding stock and money R10,000 (accidental death anywhere) R50,000 (accidental death as a result of theft, attempted theft, hijacking, or burglary at\on private residence Guards Trauma treatment R2,000 per day, maximum R10,000 per event Up to R10,000 per event

9 CIB 9 / 12 Emergency benefit towards guests or visitors Emergency benefit towards domestic employees Identity theft Sim cards Ct/Dt cards Up to R5,000 per event following accidental injury Up to R10,000 per event following accidental injury Up to R10,000 per event Up to R5,000 per event Up to R10,000 per event Hole-in-one Limited to R5,000 Full house Limited to R5,000 Wild animal damage Up to R50,000 per event Vehicle: Private vehicles, motor cycles, caravans and trailers will be combined under this section. EXTENDED basic cover: Emergency costs Specific Clauses (limits) Replacement of vehicle after a claim Emergency benefit Loss of keys Accidental death Actual costs If less than 24 months old and, travelled less than 40,000 km, replacement will be limited to the new list price not exceeding 10% of initial purchase price or the sum insured as stated in the schedule whichever is the lesser of the same or similar make and model. Up to R10,000 per injured person R20,000 per event R10,000 per incident Emergency repairs R Repatriation costs R5,000 for costs incurred by the insured for returning the vehicle to the Republic of South Africa. Actual costs will be covered if authorised by us WATERCRAFT: Specific Clauses (limits) Emergency benefit Emergency repairs Trauma treatment Up to R10,000 per person Up to R5,000 per event R5,000 for counseling by a professional registered councilor following theft or hold up

10 10 / 12 CIB The benefits of insuring with CIB A customer-centricity that has become part of our brand. With many volume-driven insurers, clients are often reduced to just another number. At CIB, we continue to value the individual. Because we choose to emphasize responsible, quality engagement over quantity we are able to offer more tailored solutions, more responsive services, and more agile claims handling. Personal touch and proactive communication. Technology should be an enabler, not a replacement for old-fashioned hands-on interactions. You ll find our call centre and other automated services are designed for your convenience as opposed to our own. We communicate with you every step of the way and ensure you always deal one-on-one with someone who understands your claim. Some of the best technical skills in the business. Thousands of satisfied clients put their trust in CIB every year to ensure the best cover possible. We reciprocate by ensuring we attract and retain an unusually high standard of talent and put them to work on your behalf. We re committed to remaining on the cusp of global trends so your cover remains current and relevant.

11 CIB 11 / 12 Attention to detail right from the start. We pay attention to the paperwork. We know that it s time consuming and hard work but it s our job to cross the t s and dot the i s. The information we meticulously compile and regularly update - helps us understand your business, manage your risk, and make sure your cover does the job your need it to do. This is how we make sure you ll always be in the best position to recover from unfortunate events. Quality broker network. We are as discerning as you are when it comes to who we do business with. If your broker is offering CIB s products, you can be assured that they have been personally vetted and trained by us. We nurture knowledge sharing, high levels of service and a culture that fosters transparent, ethical relationships throughout our channels. Approved service providers that go beyond. Should the worst come to pass, we want your experience to be as positive as possible under the circumstances. Finding the right service providers that share our values and ethics are a large part of this. We hold our suppliers up to the same scrutiny as we hold ourselves. We ve even gone so far as to ensure integrated systems, processes and reporting with certain service providers just to make sure your entire experience is top class.

12 YOU LIVE. WE INSURE. For more information please visit CONTACT Tel No: ADDRESS 15E Riley Road, Riley Road Office Park, Bedfordview, Gauteng, 2008 Ts and Cs Apply CIB (Pty) Ltd is an Authorised Financial Services Provider (FSP No. 8425). Underwritten by Guardrisk Insurance Company Limited (FSP No. 75).