IMARDA ASSIST PRODUCT PORTFOLIO IMARDA ASSIST PRODUCT PRICING

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1 IMARDA ASSIST PRODUCT PORTFOLIO IMARDA ASSIST INDIVIDUAL CLIENT RATE INCLUDING or EXCLUDING VEHICLE TRACKING SERVICE Medical Assistance Access ( Client to pay for stabilization and evacuation services directly ) GROUP / FAMILY / CORPORATE CLIENT RATE INCLUDING or EXCLUDING VEHICLE TRACKING SERVICE Medical Assistance Access ( Client to pay for stabilization and evacuation services directly ) COMMERCIAL FLEETS / TRUCKING Medical Assistance Access ( Client to pay for stabilization and evacuation services directly ) Bail Protect plus Legal Assist Bail Protect plus Legal Assist Panic S.O.S Roadguard Protection ( for up to two Panic S.O.S Panic S.O.S hours maximum ) Crime and Security Comprehensive Roadside Assist ( Excludes Accident Towing ) Crime and Security Comprehensive Roadside Assist ( Excludes Accident Towing ) IMARDA ASSIST PRODUCT PRICING PRICING / MONTHLY CHARGES ( per policy per month ) INDIVIDUAL ONE PERSON / MONTHLY per person per month R FAMILY / GROUP COMPANIES MORE THAN 2 PERSONS / MONTHLY ( per Person per month ) R COMMERCIAL FLEETS COMMERCIAL FLEETS / TRUCKING ( per Vehicle per month ) R Please note that this is a pay and use service, and should your subscription not be up to date, assistance may be refused or provided on a payment basis.

2 MEDICAL ASSIST ACCESS The following benefits are on an access only basis. These services include: Emergency telephonic advice and information 24/7 Referrals to medical practitioners and facilities Liaison with next of kin to keep them informed In addition to the general medical advice service, medical operators will guide a beneficiary through a medical crisis situation involving the beneficiary. The beneficiary will receive emergency advice or have necessary support organised, by utilising the 24-hour Contact Centre Doctor. This service includes referrals to Crisis lines in case of: Poison Hotline In House Suicide Hotline Life Line Rape and HIV Counseling Family and Domestic Abuse Child Abuse Bereavement Counseling For the beneficiary's medical aid or own account: Emergency medical response to the scene of an incident Emergency medical transportation to the nearest appropriate medical facility Please note: Medical cover is only valid for emergencies within the borders of South Africa. BAIL PROTECT Relief - Recoveries Assistance The Problem With the police now able to arrest anyone with outstanding traffic fines or traffic offences, the number of people in South Africa who can be arrested and be granted bail for relatively minor traffic offences is increasing. Added to this, the reported cases of unlawful arrest and arrests using unnecessary force are also increasing. The states of our jails are scary to say the least, so the thought of spending any time behind bars is terrifying for anyone. Bail is a legal right, but the problem is that many people are unaware of this right or how to access it.

3 Our Solution We have an innovative service for our beneficiaries providing assistance in posting bail following arrest for a minor crime. This service assists in exercising your legal right, however, the transgressor still faces the full extent of the law for whatever it is alleged that he/she has done. Our solution is simple and very effective: Relief You have peace of mind that we are available 24/7 to post bail on your behalf and thereby ensure that you don t have to spend unnecessary time behind bars Recoveries You don t have to worry about having funds available or being able to access them as we ll post bail of up to R3, 000 on your behalf Legal Assistance Comprehensive legal advice and guidance by our qualified lawyers regarding your arrest and right to obtain bail What do we Offer: The Bail Protect membership provides assistance in posting bail following arrest for a minor crime. This service assists in exercising your legal right to bail. In addition, Bail Protect undertakes to do all administrative management of the bail from start to finish. For the duration of the claim, you receive: 24/7 365 days a year call centre support if you are arrested and require bail Comprehensive Legal advice on your rights regarding your arrest and bail Assistance by contacting the police officer on duty to verify the arrest and bail details. Contact with your family to advise them of bail assistance Assistance on your behalf where we ensure that we report to the relevant police station to post your bail. After bail follow up and assistance You will be covered in typical cases like: Road traffic offences such as neglecting to pay speeding fines Failure to appear in court to defend such traffic offences (contempt of court) Driving while under the influence of alcohol Common assault Shoplifting or theft where the amount is less than R Fraud where the value involved does not exceed R Illicit possession of dagga where the amount does not exceed 115 grams Drinking in public Public disturbance Who is entitled to Claim: Any Bail Protect beneficiary, provided the membership fees are paid and up to date

4 How do you claim with us? Contact the Call Centre and give the particulars of your case. Your membership details will be verified and you will be given a case number. We will contact the officer on duty to verify the arrest and bail details; We will SMS you to verify that an agent will be dispatched to post bail; We will contact your spouse/partner to advise of bail assistance; We will ensure that our agent reports to the relevant police station within 4 hours of receiving bail assistance request; We will obtain the original bail receipt from the police official; We will contact you one day after your 1st court appearance to determine the outcome; We will continue to follow up with you until your matter is finalized in court Our lawyers will advise you on any issue regarding your arrest and bail Terms and Conditions The maximum amount of bail per incident is R No assistance is available for bail in excess of this amount If bail is granted, you will be asked to accept the terms and conditions (delivery of the receipt and bail and legal costs will be owed to Bail Protect if the policyholder does not appear at court at the allotted time and date) The bail will only be paid directly to the courts or government body via cash to the police departments or via attorney trust accounts to the relevant courts The receipt for the bail payment must be given to the service administrator or its appointed agents or posted by registered mail within 24 hours of payment of bail, failing which a penalty of R500 will apply If you do not appear at court on your appointed date, or if you appear but Bail Protect cannot recover the bail loan for whatever reason, you will be liable to pay the service provider the amount of the bail plus any legal costs incurred Limits of Service No bail assistance will be provided where: the amount of bail exceeds R 3,000 the crime of which the beneficiary is accused is classified as one of the following: Assault with Grievous Bodily Harm Murder or Attempted murder Rape Child abuse Child pornography Dealing in drugs Armed robbery or robbery with aggravating circumstances Treason, sabotage or subversion the crime of which the beneficiary is accused is classified as one contemplated in Part II or Part III of Schedule 2 of the Criminal Procedure Act, 51 of 1977; the Issuing Authority is outside the Republic of South Africa;

5 the Issuing Authority is anyone other than an authorized police official as contemplated in Section 59 of the Criminal Procedure Act, 51 of 1977 the member s fees have not been paid a claim has previously been paid under this Agreement where the beneficiary did not supply the Administrator with the receipt for the bail within 24 hours of the payment being lodged with the Issuing Authority and/or where the beneficiary did not appear in court as per the bail conditions LEGAL ASSIST, ADVICE AND ACCESS This is a powerful, dynamic product which provides a comprehensive legal assistance service to the beneficiary and his/her immediate family. 24-hour Legal Assistance Qualified lawyers and legal consultants as well as academics provide the service. The service comprises: A 24-hours telephonic legal advice line A legal document service A direct legal consultation service Letter of demand Find a lawyer Advice Beneficiaries and their immediate families have on-going access to a 24-hour legal advisory service on any aspect of the law such as criminal law, family law, insurance law, child law, labour law, motor law, etc. The beneficiary and his immediate family is entitled to utilise the advice service as frequently as required provided that the assistance shall be furnished to the beneficiary directly and only on legal matters pertaining to the beneficiary, and, in his or her personal capacity. Free standard legal documents If a beneficiary requires a purchase/sale, lease agreement, power-of-attorney, will, domestic employment agreement, ante-nuptial agreement, etc., we will provide these free at his or her request. The beneficiary will also be advised on the application of each of these documents and the procedures and principles that apply. 30-minute free consultation This service involves a free initial 30-minute consultation should any matter require legal action. The beneficiary will then be referred to a lawyer who forms part of our national network for a direct free 30- minute consultation. After the 30-minute consultation, the beneficiary can then elect whether or not to continue with that specific lawyer s services at a fee structure agreed to between himself and the lawyer. Such fees will be for the beneficiary s account. The free 30-minute consultation service is

6 available at a lawyer that is situated within the magisterial district where the beneficiary resides. This consultation facility is limited to one consultation per matter. Letter of demand The lawyer or consultant will write a letter of demand on behalf the beneficiary. This is limited to one letter per event. Find a Lawyer If a matter is of such a nature that the beneficiary has to consider litigation, the team of experts will assess all the facts and circumstances and research the matter thoroughly, in order to ascertain which way a case should be approached, and will then suggest 2 top attorney s firms which will be the best for the job. This benefit includes expert investigation and research into the matter in order to empower a beneficiary to make the correct decision when choosing an attorney. Our hassle-free service procedure The beneficiary calls the call centre number and provides full information of the circumstances and services required The call centre advisor will assess the situation and inform the beneficiary of the procedure pertaining to the service; and Advise the beneficiary; or Forward a standard legal document to the beneficiary if such was needed; or Refer the beneficiary to a lawyer for a 30-minute free legal consultation if necessary; or Inform the beneficiary that the nature of the matter necessitates more research after which a lawyer would return the beneficiary s call with the requested advice Where necessary a letter of demand will be sent on behalf of the beneficiary When necessary and if litigation is the only option left to the beneficiary, the lawyer/consultant will further investigate the matter and suggest two top attorney s firms to the beneficiary which would be the best suited to handle the beneficiary s problem Our lawyers are available 24-hours a day, 365-days of the year Assistance is available and accessible 24- hours per day, 365- days a year through a dedicated number. Who is entitled to the service? The service is provided to the registered beneficiary only. Exclusions The Service is limited to personal matters only. Business legal matters are excluded. Terms and conditions are all stipulated above.

7 PANIC SOS SYSTEM Location Based Services (LBS) Panic system This service operates across all South African cell phone networks. With the exception of Cell C, the beneficiary s location can be accurately determined. The products are operable via a wide range of interfaces such as SMS, MMS, USSD, WAP and the Internet Beneficiary presses pre-selected speed dial number on their cell phone The beneficiary s location is determined via LBS (excluding Cell C) The call centre confirms the type of service the beneficiary requires inclusive of any medical conditions and next of kin details if a medical emergency arises The call centre responds accordingly and alerts next of kin where applicable CRIME & SECURITY ASSIST This is a 24-hour crisis management product to assist the beneficiary in the event of a home invasion. We will assist with the following: In the case of the beneficiary s cell phone being stolen from your home in a home invasion, we will provide the beneficiary with a cell phone loaded with pre-paid airtime to the value of R100, which will courier to the beneficiary. In the case of the beneficiary s vehicle being stolen, we will provide them with Group B car hire for 48 hours to keep you mobile In the case of the beneficiary s credit card being stolen, we will provide the beneficiary with a pre-loaded debit card to the value of R500 to assist the beneficiary s in the interim which will be couriered to the beneficiary In the case of the beneficiary s keys being stolen in a home invasion, we will send a locksmith to the beneficiary s house to assist them with their locks, up to the value of R1 000 per annum In the case of the beneficiary s home being invaded, we will place a security guard at their house for 24-hours after the event has taken place In case of the beneficiary s home being invaded, we will provide hotel accommodation to the value ofr1 000 per annum EMERGENCY ROADSIDE ASSISTANCE These services are available 24/7/365 Road Patrols The objective is to get the beneficiary mobile on the roadside. These services are covered nationally including Lesotho and Swaziland. These services are limited to R500.

8 Services Include: Change of a flat tyre Fuel assistance (the first 5litres is covered and the cost thereafter will be for the beneficiary s account). Flat battery (jump start covered for call out and 1 hour labour. The cost of a battery replacement will be for beneficiary s own account). Replacement of a battery will be for the beneficiary s account. Keys Locked in vehicle - unlocking only (cost of replacing keys is for the beneficiary s account). Minor roadside-running repairs related to breakdowns. This includes mobile solution for coils, immobilizers, fuses and limited assistance on fan belts. The cost of fuel and parts for beneficiary s own account. * Toll fees are not inclusive within the benefit entitlement, and such costs, will be for the beneficiary s account. Locksmith Services In the event that the road patrol is unable to open a vehicle to retrieve the keys from the vehicle, the call centre will dispatch an accredited locksmith to the incident scene to open the vehicle. The service is limited up to R800. The Service Provider will not cover the cost for repairs, the replacement of a lock or ignition switch or the cutting of keys. Mechanical and Electrical Breakdowns The primary objective of the Service Provider is to tow a vehicle to the nearest franchised dealer (if under warranty) or to the nearest repairer. The cost of the first 60km round-trip is covered (starting from point of dispatch) thereafter a charge of R6.00 ex vat per km is applicable and will be charged to the beneficiary. * Toll fees are not inclusive within the benefit entitlement, and such costs, will be for the beneficiary s account. Car Hire In the event that a vehicle has broken down more than 100km from the beneficiary s home, the call centre will arrange and pay for 24-hour, group-b car hire for the beneficiary to complete his or her journey or to return home. This service is subject to availability and the driver must be in possession of a valid credit card and driver s license. The service is limited to R500 and includes the costs of the daily car rental, unlimited kilometre allowance, insurance fees and the delivery or collection charges of the vehicle to a maximum of 25km respectively. The cost of fuel will be for the beneficiary s account. Overnight Accommodation Instead of the car-rental option, arrangements can be made for overnight accommodation for the driver and four passengers. The service is limited to R500.

9 Vehicle Repatriation Should the beneficiary choose the car-rental option and continue his or her journey while the vehicle is being repaired, the Service Provider will pay towards the costs of providing the beneficiary with a 24- hour, group-b car hire to collect the vehicle after repairs. Alternatively, a flight ticket can be arranged. This service is limited to R500 and includes the costs of the daily car rental, unlimited kilometre allowance, insurance fees, and the delivery/collection charges of the vehicle to a maximum of 25km respectively. The cost of fuel will be for the beneficiary s account. * Toll fees are not inclusive within the benefit entitlement, and such costs, will be for the beneficiary s account. Message-Relay Service In the event of an electrical / mechanical breakdown or an accident, the call centre will on request relay any urgent messages to friends, colleagues or family members to advise them of the beneficiary s circumstances. Storage Should it be required, arrangements will be made for the safe storage of the vehicle overnight or for weekends including public holidays up to a maximum of 4 days. On the next working day, the vehicle will be re-located to the nearest approved dealer or competent repairer. Thereafter the cost of a second tow will be for the beneficiary s own account subject to the beneficiary taking direct control of the vehicle to an alternative destination which results in a second tow being required. Mobile Notification Services As a beneficiary you will receive an SMS notifying you of the update on your active case. The below details will be sent to your mobile phone after lodging a case: Name of Primary Case Manager Reference Number (ease of calling in and enable anyone of the Assist Agents to intervene or provide further details to the beneficiary) Once a Service Provider has been appointed, the responding Service Provider details will be sent along with the ETA Any changes made to the case (new Service Provider and additional requests etc.) If there is a shift change, the details of your New Case Manager will also be sent General Terms & Conditions Services will only be rendered to validated beneficiaries Battery replacement costs are for the beneficiary s account o Limited to South African territory only Roadside-assistance services are only available in the event that the breakdown occurs within South Africa, Lesotho or Swaziland.

10 All services must be authorised, arranged and managed by the call centre. Any costs incurred through arrangements made by the beneficiary without prior authorisation from the call centre, shall not be reimbursed. In the event of a mechanical or electrical breakdown, the vehicle is to be towed to the closest franchised dealer or repair centre from the scene of the breakdown. The liability only extends to the towing of one vehicle and not a trailer, boat or caravan. Multiple tows (e.g. where you need a trailer, boat or caravan towed) will be for the beneficiary s account. Second Tows will be for the beneficiary s account. A Beneficiary will only be entitled to the car hire and overnight accommodation benefits if the vehicle was towed by the service provider. An accident shall be defined as damage to one or more body panels (which will require repair in a body shop) as a result of a collision with another vehicle or object. An accident shall also include instances where the engine catches fire, or where impact with a pothole, kerb or pavement results in damage to the suspension, wheels or undercarriage (and not necessarily the body panels), and where it is clear to the beneficiary and the service provider that the damage is of an insurable risk nature, irrespective of whether or not the car is insured. In instances of doubt the service provider shall arbitrate on this latter definition. In the event of the accident being caused by mechanical failure, and in essence where the vehicle under these description is non-drivable, the incident will be considered to be an accident. In the event of an accident, the client will be required to either use their insurer or make alternative arrangements The Beneficiary will not be entitled to service where: The vehicle is not in a roadworthy condition The vehicle is a motor home or large panel van (weighing in the excess of 3.5 tons) The vehicle has a gross mass exceeding 3.5 tons The fault is with a trailer, boat trailer or caravan The vehicle is already at a place of repair The service provider does not refund: Labour, overtime or cellular-phone charges, toll-gate fees, call-out fees, weekend levies, storage charges, hitching/salvage/recovery (defined as an insurable risk related to accessing the vehicle) fees and the cost of spare parts Repair charges Charges for assistance rendered by a private person Charges for assistance required due to participation in a motorised-sporting event

11 ROADGUARDPROTECTION (FOR COMMERCIAL FLEET CUSTOMERS ONLY) In the event that the member requires assistance, a Road Guard will be dispatched to the location. 1. Dispatch times will vary from 30minutes to 45 minutes in a Metro area 2. Dispatch time will vary from 40 minutes to 90 minutes in a Rural area 3. All service will maintain critical best effort basis 4. The CCC will constantly remain in contact with the distressed member 5. All conditions need to be considered prior to the contractual commitment of service failure Weather Traffic Ground unit availability Accessibility of the member Nature of the incident and the like Imarda version (V2)