Administered by. An Authorised Financial Services Provider FSP No

Administered by An Authorised Financial Services Provider FSP No. 21799 platinum motor vehicle cover.indd 1 16/05/2011 11:08

FREQUENTLY ASKED QUESTIONS 1 My vehicle broke down, what s the next step? The vehicle needs to be taken to the nearest approved franchised dealer. 2 I had my vehicle serviced, must I send in the invoice? No, but you must keep copies of the invoices for your records in the event that they are requested by the Claims Office. It is your responsibility as the owner of the vehicle to service the vehicle at the correct time and kilometer intervals 3 What am I covered for? In this booklet, please read page 5-7. On page 7 you will see a summary of the components that are covered with the limit in Rand value next to the component. Each plan type has different limits. On pages 5-6 you will see a detailed list of the covered components. If a component is not listed, then it is not covered. 4 What am I not covered for? In this booklet, please read page 4. You will see an example of some of the components not covered. If a component is not listed, it is not covered. Not everything that can go wrong mechanically or electrically on a vehicle is covered. 5 What is the plan type or benefit category? The age and distance covered by the vehicle at the time the policy is purchased for the vehicle, determines the plan type or benefit category. Type of plans or benefit categories include Plan N, A, B and C. For example: When you purchase the policy and the vehicle kilometre reading is 33 000km and less than 1 year old, the vehicle will qualify for a plan A. 6 How much am I paying for this warranty and how did I pay for this warranty? At the selling dealer: The amount you selected on the proposal form (where all the vehicle details and policy holder details are completed on), shows the amount that is included in your finance agreement or the amount you paid for the policy in cash, with a credit or debit card or a cheque at the selling dealer when the vehicle was purchased. In some instances the policy premium is included with the finance agreement. Telephonically: Monthly warranties are paid per month and vary according to the type of product you purchased as per your telephonic agreement. If a debit order deduction from your bank account was not successful the policy is invalid until the outstanding premiums are paid in full. No claims are allowed on a policy with an outstanding balance and the claim will be rejected and remain rejected. The policy holder may not pay the outstanding amount at the time the claim occurs in order to get a claim authorised. 7 What is my policy number? The policy number is also known as the proposal number. The proposal number is printed on the proposal form where the vehicle and policy holder details are completed and signed by the policy holder. In some instances the policy number is printed on the finance agreement. If the policy was purchased telephonically, the policy number is printed on a letter and posted with a policy booklet to you. If you are unsure of the policy number or you have not received the policy booklet, please contact our administrators on 0860 927 726. 8 What are the service requirements? The policy booklet stipulates the service requirements on page 4 under the heading Servicing PLT3 - Platinum Motor Vehicle Warranty Introduction This policy document, the information you have provided and the proposal form, once accepted by us form the contract of insurance between us (LiquidCapital (Pty) Ltd Trading as LiquidCover) and you (the insured). In return for your premium and providing that you comply with the terms and conditions of the policy, we will provide the cover described in the policy and proposal form. Should we decline this insurance, we will do so within 30 days of receipt of the proposal form. If we do decline, we will refund the full premium. 1. YOU ARE COVERED FOR This policy provides cover in the event of an unexpected mechanical breakdown or electrical failure for passenger vehicles, including 4x4s with a maximum gross vehicle mass of 3 500kg. The policy is administered by SA Warranties (Pty) Ltd (the Administrator) which specialises in assessing mechanical and electrical failures and the administration of warranties and mechanical or electrical breakdown insurance. 1.1 Benefits The repair or replacement of parts due to a mechanical breakdown or electrical failure that occurs during the period of this policy. Mechanical breakdown or electrical failure means the breaking or burning out of any of the components listed in the Components Covered section, that results from a mechanical or electrical defect and that suddenly stops functioning, needing repair or replacement. 1.2 Eligible Vehicles The policy covers passenger vehicles, including 4x4s having a maximum gross vehicle mass (GVM) of 3 500kg. It does not cover taxis, light commercial vehicles, hire vehicles, rebuilt vehicles (CODE 3), modified vehicles (including turbo conversions) and vehicles that are, or have been, used in any form of motoring competition. 1.3 Vehicle Categories Vehicles are categorised according to their age or the distance travelled. Please see the table at the end of the policy, which clearly shows the vehicle categories and the claim limits. Plan N: Vehicles less than 1 year old and less than 15 000km. Plan A: Vehicles less than 3 years old (the current year and prior 2 year models) and less than 80 000km. Plan B: Vehicles less than 5 years old (the current year and prior 4 year models) and less than 120 000km. Plan C: Vehicles older than 5 years and more than 120 000km. 1.4 Effective Date of the Policy 1.4.1 New Vehicles The policy will start immediately after the manufacturer s warranty expires. Only vehicles imported with a minimum of a 12 month manufacturer s warranty and a full service history will be accepted. 1.4.2 Used Vehicles The policy will start on the date on which it was bought or, if there is a manufacturer s warranty in force, the date on which the manufacturer s warranty expires, whichever is later. 1.5 Components Covered You will find the list of the components covered in the Schedule of Benefits to assist you should you need to make a claim. IF YOU HAVE A VALID BREAKDOWN OR FAILURE CLAIM, THE FOLLOWING ADDITIONAL BENEFITS ARE AVAILABLE TO YOU: 1.5.1 Tow-In We will pay for your vehicle to be towed to the nearest approved dealer or repairer. This refund is subject to the limit stated in the Schedule of Benefits. 1.5.2 Vehicle Hire or Public Transport If the repairing dealer is unable to complete the work within 8 working hours of your claim being authorised, we will repay you for the costs of vehicle hire or public transport, providing that you use a recognised vehicle hire company and you provide us with receipts for the monies spent. We will not pay for the cost of fuel and insurance. This refund is subject to the limit stated in the Schedule of Benefits. 1.5.3 Hotel Accommodation If you have a breakdown more than 100km from your home, we will repay you for the receipted costs of overnight accommodation. You must provide us with receipts. This refund is subject to the limit stated in the Schedule of Benefits. 12/09/2011 12/09/2011 Page 2

1.5.4 Instalment Payment Protection If repairs to your vehicle are delayed for more than 14 days, including public holidays and weekends because of parts not being available, we will pay you for that portion of the monthly instalment due to your finance company for the period of the delay. This refund is subject to the limit stated in the Schedule of Benefits. 1.5.5 Insurance Excess Payment If your vehicle is a total loss and your excess cannot be recovered from another policy, we will pay your excess up to the limit stated in the Schedule of Benefits. 2. GENERAL CONDITIONS These are general rules which govern the policy: 2.1 Cancellation You can cancel the policy at any time by writing to us. We can cancel or change your policy by giving you 30 days notice. If you pay your premium monthly there will be no premium refund on cancellation. If you pay a single premium, and the policy is cancelled, we may deduct a pro-rata proportion of the premium for the time on risk and the administrative costs related to the acquisition and termination of the policy as detailed on the proposal form. We will refund the balance to you or to the finance company if the policy has been financed or forms part of a finance agreement. We may give you notice in writing by electronic mail, fax or by post to your last known address. No refund will be paid if a claim has been paid. 2.2 Fraud and Dishonesty If you, or anyone acting on your behalf, submits a claim or any information or documentation relating to any claim that is in any way fraudulent, dishonest, exaggerated or withheld, we will reject your claim and your policy will be cancelled. 2.3 Other Insurances or Warranties If there are other similar insurances or warranties in force at the time of a claim covering the vehicle for the same breakdown or failure, we will only pay our proportional share of any claim. 2.4 Rights of the Finance Company The finance company has first rights to payment from this policy. We will pay any payments due to the finance company first, if applicable, before any payment that may be due to you is made. If a claim occurs, an authorised official of the finance company can complete and sign all documentation on your behalf if necessary. 2.5 Countries Where You Have Cover Your vehicle is covered in the Republic of South Africa (RSA). The policy is subject to the exclusive jurisdiction of the courts of the RSA. Should your claim be valid, in line with the terms and conditions of the policy, any payment shall be in South African currency, into any bank account held in South Africa. 2.6 Duration of the Policy This policy runs for 24 months or a max of 200 000km, whichever occurs first. 2.7 Transfer of the Policy If you sell your vehicle, you can transfer the policy to the new owner. To transfer the policy you must apply in writing to the Administrator. Please contact the Customer Service department on 0860 927 726 to apply for a transfer. Only a valid policy can be transferred and there is no charge for the transfer. You may not transfer this policy to another vehicle. A valid policy is one in which all the terms and conditions have been met. 2.8 Value Added Tax (VAT) All monetary amounts include VAT, at the ruling rate. 2.9 Betterment If you make a valid claim, it is not our aim to put you in a better financial position than before the claim. So, in certain circumstances, where replacement parts are fitted to replace old worn parts which have suffered a breakdown, and this results in your vehicle being in a better condition than it was before the breakdown, you may be required to pay towards the cost of the parts. 2.10 Payment This warranty policy can be purchased by means of either a single premium payment or a monthly premium payment 2.10.1 Single Premium Payment This is the amount selected on the proposal form that is included in your finance agreement or the amount you paid for the policy in cash, with a credit or debit card or a cheque at the selling dealer when the vehicle was purchased 2.10.2 Monthly Premium Payment The premium is payable monthly in advance by debit order and the cover runs for a month and is renewed on a monthly basis. You have given us permission to deduct premiums from a bank account as specified by you and written notification of any changes in your banking details should reach us at least 10 days before the next premium is due for payment. You need to ensure that there are enough funds available in your account for debit order collection on the premium due date. 12/09/2011 Page 3 Should your debit order be rejected, we reserve the right to collect any outstanding premium before any claim is processed and we will submit a double debit order the following month in order to maintain the policy. However, should this debit order also be rejected the policy cover will stop immediately. Please ensure that there are enough funds in your account to pay your premium as banks will charge you for unpaid debit orders. Premiums will be increased by 9% per year and no refunds are applicable as the premiums are paid monthly. 3. WHAT YOU MUST DO If you do not follow these conditions, then it is possible that your claim will not be paid. 3.1 Pay your premium on time. If you pay by debit order you must make sure that there is enough money to cover the debit order. If your premium is not paid on the payment date you have 15 days grace period in which to pay your premium, failing which your cover will be cancelled. 3.2 You must take all steps possible to keep your vehicle in a proper working condition. 3.3 If any mechanical or electrical failure occurs you must protect your vehicle from further loss or damage as this policy does not cover consequential damage. 3.4 You must supply us with any documents we require to process a claim. 3.5 You must report all claims to us and take the vehicle to a manufacturer appointed franchised dealer within 7 days of becoming aware of the breakdown or failure otherwise the claim will not be accepted. 3.6 Rejection of claim and time bar: 3.6.1 You have to provide satisfactory proof of any loss that you claim for. 3.6.2 If your claim has been rejected or the amount disputed, you have 90 days after receipt of our rejection letter to make representations to us in respect of our decision. 3.6.3 You have a further 6 months to start legal action against us after the expiry of the 90 days referred to above. 3.6.4 If you do not serve a summons on us within this period, you will give up the right to challenge our rejection. 4. SERVICING You must service your vehicle according to the original manufacturer s service frequency and specifications at a manufacturer appointed franchised dealer. You must also keep copies of the invoices for your records in the event that they are requested by the Claims Office. 5. YOU ARE NOT COVERED FOR The following are general exclusions that apply to the whole policy: 5.1 Nuclear Risks Loss, damage or liability directly or indirectly caused by, or arising from, ionising radiation or radioactive contamination from any nuclear fuel or from any nuclear waste arising from burning nuclear fuel, or the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or nuclear part of that equipment. 5.2 War and Public Disorder Any loss, damage or liability caused by civil commotion, riot, strike, war, mutiny, military rising, martial law, rebellion, revolution, any act in protest against any State, Government or any Government body. 5.3 You are not covered for the following: 5.3.1 Components that were broken or had failed before the policy started. 5.3.2 Repairs that have not been authorised by us, prior to the repair being done. 5.3.3 Any repairs if the odometer is not working or has been changed in any way or has been disconnected or replaced without our authority. 5.3.4 Damage resulting from oil leaks or for oil leaks themselves. 5.3.5 Damage to drive shafts or steering racks as a result of damaged rubber boots. 5.3.6 Damage caused by incorrect lubricants, unreasonable use, improper servicing or malicious damage. 5.3.7 Damage caused by an accident. 5.3.8 Damage to vehicles that have been altered in any way from the manufacturer s specifications. 5.3.9 Any components that are not listed under the Schedule of Benefits. 5.3.10 Any components that are still covered by the manufacturer s or supplier s warranty at the time of the failure. 5.3.11 Damage to all electrical wiring. 5.3.12 Service items or items that need to be changed at specific or regular intervals such as oil, grease, filters, hydraulic fluid, additives and anti-freeze, spark plugs, points, condenser, v and cambelts, consumables and the like. 5.3.13 Replacement of burnt valves. 5.3.14 Faults in workmanship or materials paid for by the Administrator on your behalf. 5.3.15 Costs or expenses that you can recover from your motor insurance policy. 5.3.16 Resultant damage. 5.3.17 Repair or replacement of seals and gaskets. 12/09/2011 Page 4

6. CLAIMS Your responsibilities WHEN YOU BECOME AWARE OF A BREAKDOWN OR FAILURE: 6.1 Check on your policy schedule to see which plan you are under. 6.2 Look on page 5-6 to see if the components are covered and the maximum limit for which we will be responsible. PLEASE REMEMBER - IF THE COMPONENT IS NOT LISTED UNDER THE SCHEDULE OF BENEFITS, IT IS NOT COVERED 6.3 You must report all claims to us and take the vehicle to a manufacturer approved dealer within 7 days of becoming aware of the breakdown or failure otherwise the claim will not be accepted. If you are unable to contact such a dealer, contact the CLAIMS OFFICE DURING NORMAL OFFICE HOURS. Office Hours: Monday to Thursday: 07h30 to 17h00. Friday: 07h30 to 16h30. This office is closed on public holidays. Claims Office 0860 WARRANTY (927 726) Claims Fax: 0860 FAX SAW (329 729) Please have the following information available when calling: 6.3.1 Your name and contact details 6.3.2 Your policy number 6.3.3 Your vehicles current kilometre reading 6.3.4 The nature of the breakdown or failure 6.3.5 The name and address of the repairer 6.4 The repairing dealer must establish the nature of the breakdown or failure and must contact the Claims Office for authorisation to proceed with the repairs. Repairs cannot start unless the Claims Office has given authorisation. The Claims Office will also supply their claim authorisation number. 6.5 When the repairs have been completed, you can choose to: 6.5.1 Pay the amount to the repairing dealer and then send the invoice to us so that we may reimburse you, 6.5.2 Ask the repairing dealer to invoice us directly. We will only pay for the portions covered by this policy and the balance will be for your account. 7. ROADSIDE ASSISTANCE In the event of a breakdown, Liquid Assist can arrange the following: 7.1 Towing to the nearest approved dealer within a 40km radius from the breakdown. Towing charges will be for the owner s account should the policy claim be invalid. This benefit is solely for breakdown and not for accident related towing. 7.2 Relay of messages to family, friends or business associates. 7.3 Flat tyre change. 7.4 Assistance in the event of a flat battery. 8. COMPONENTS COVERED 24 Hour Service Tel: 0861 113 408 Any number of failures that occur at the same time shall be treated as one claim. In this instance, the amount authorised will be limited to the higher amount and the remaining costs will be for the account of the insured. 8.1 Engine: All internal components, excluding decarbonisation, burnt valves and blown cylinder head gaskets. 8.2 Gearbox: 8.2.1 Manual Transmission: All internal components, plus gear lever and linkages. 8.2.2 Automatic Transmission: All internal components, plus torque convertor, gear lever and linkages. 8.3 Differential: All internal components. 8.8 Casings: Engine block, cylinder head, gearbox and differential casings are covered, subject to policy liability. 8.9 Electronic Ignition: All solid state and triggered units. 8.10 Air-Conditioner: Compressor and clutch pulley only. 8.11 Cooling System: Radiator, water pump, welsh plugs and thermostat. 8.12 Suspension: Upper and lower wishbones with associated ball joints, bushes and springs. 8.13 Wheel Bearings: Front and rear. 8.14 Braking System: Brake booster, master cylinder, wheel cylinders, callipers, ABS control unit and sensors, excluding discs and drums. 8.15 Fuel System: Mechanical and electrical fuel pumps, injectors, airflow meter lambda probe, air sensor, fuel distributor and warm-up regulator. 8.16 Electrical Components: Alternator, starter motor (including ring gear) and windscreen wiper motors, excluding relays and switches. 8.17 Electrical Winch: Electric motor only (applicable to 4x4 vehicles only). 8.18 Free Wheel Hubs: Complete units (applicable to 4x4 vehicles only). 8.19 Prop Shaft: Prop shaft, universal joints, centre bearing and couplings, excluding tube and balancing. 8.20 CV Joints: Constant velocity joints, excluding rubber boots. 8.21 Steering Mechanism: Column shaft, bearings and joints, internal components of the rack & pinion, steering box, tie-rod ends, power steering pump and reservoir, excluding rubber boots. 8.22 Clutch: Master & slave cylinder, clutch plate, pressure plat, flywheel release bearing and clutch fork. 8.23 Cylinder Head Gaskets 8.24 Drive Pulleys: Crankshaft, camshaft, tensioners and jockey pulleys are covered in the event of mechanical failure. 8.25 Viscous and Electric Fans: Engine cooling only. 8.26 Electric Motors: Sunroof and window winder motors, excluding window winder mechanism assembly. Additional benefits in the event of a valid claim: 8.27 Tow-in: As per definition on page 2. 8.28 Vehicle Hire: As per definition on page 2. 8.29 Hotel Accommodation: As per definition on page 2. 8.30 Instalment Payment Protection: As per definition on page 3. 8.31 Insurance Excess Payment: As per definition on page 3. 8.32 Roadside Assistance: As per definition on page 5. Please Note: 8.33 Overheating: Failure as a result of overheating, subject to 50% of policy liability. 8.34 Overfueling: Failure as a result of overfueling, subject to policy liability. 8.35 Cambelt Failure: Subject to policy liability. 8.4 Differential Lock: All internal components. 8.5 Transfer Box: All internal components. 8.6 Turbo Assembly: Factory fitted turbo charger, boost control valve and intercooler. 8.7 Management System: Engine and transmission management control unit, sensors and solenoids. 12/09/2011 Page 5 12/09/2011 Page 6

SCHEDULE OF BENEFITS Plan N: Vehicles less than 1 year old and less than 15 000km. Plan A: Vehicles less than 3 years old and less than 80 000km. Plan B: Vehicles less than 5 and less than 120 000km. Plan C: Vehicles older than 5 years and more than 120 000km. Components Covered Plan N Plan A Plan B Plan C 8.1 Engine Unlimited R 27 500 R 12 500 R 8 500 8.2 Gearbox Unlimited R 17 500 R 8 500 R 5 500 8.3 Differential Unlimited R 17 500 R 8 500 R 5 500 8.4 Differential Lock Unlimited R 7 500 R 6 000 R 4 500 8.5 Transfer Box Unlimited R 7 500 R 6 000 R 4 500 8.6 Turbo Assembly Unlimited R 7 500 R 6 000 R 4 500 8.7 Management System Unlimited R 7 500 R 6 000 R 4 500 8.8 Casings Unlimited R 5 000 R 3 500 R 2 250 8.9 Electronic Ignition Unlimited R 5 000 R 3 500 R 2 250 8.10 Air-Conditioner Unlimited R 5 000 R 3 500 R 2 250 8.11 Cooling System Unlimited R 5 000 R 3 500 R 2 250 8.12 Suspension Unlimited R 4 000 R 2 500 R 1 750 8.13 Wheel Bearings Unlimited R 4 000 R 2 500 R 1 750 8.14 Braking System Unlimited R 4 000 R 2 500 R 1 750 8.15 Fuel System Unlimited R 4 000 R 2 500 R 1 750 8.16 Electrical Components Unlimited R 4 000 R 2 500 R 1 750 8.17 Electrical Winch Unlimited R 4 000 R 2 500 R 1 750 8.18 Free Wheel Hubs Unlimited R 4 000 R 2 500 R 1 750 8.19 Prop Shaft Unlimited R 4 000 R 2 500 R 1 750 8.20 CV Joints Unlimited R 4 000 R 2 500 R 1 750 8.21 Steering Mechanism R 6 500 R 4 000 R 2 500 R 1 750 8.22 Clutch R 6 500 R 4 000 R 2 500 R 1 750 8.23 Cylinder Head Gasket R 6 500 R 4 000 R 2 000 R 1 500 8.24 Drive Pulleys R 6 500 R 4 000 R 2 000 R 1 500 8.25 Viscous & Electric Fans R 3 500 R 2 250 R 1 750 R 1 500 8.26 Electric Motors (Sunroof) R 1 000 R 1 000 R 1 000 R 1 000 Additional Benefits 8.27 Tow-in Charges R 1 000 R 1 000 R 1 000 R 1 000 8.28 Vehicle Hire R 1 000 R 1 000 R 1 000 R 1 000 8.29 Hotel Accommodation R 1 000 R 1 000 R 1 000 R 1 000 8.30 Instalment Protection R 1 000 R 1 000 R 1 000 R 1 000 8.31 Insurance Excess R 1 000 R 1 000 R 1 000 R 1 000 8.32 Roadside Assistance Included Included Included Included Please Note 8.33 Overheating Unlimited R 5 000 R 3 500 R 2 250 8.34 Overfueling Unlimited R 5 000 R 3 500 R 2 250 8.35 Cambelt Failure R 6 500 R 4 000 R 2 000 R 1 500 DISCLOSURES REQUIRED IN TERMS OF THE FINANCIAL ADVISORY AND INTERMEDIARY SERVICES ACT 37 OF 2002 IMPORTANT - Please read disclosure and other legal requirements carefully 1. Particulars of the Administrator SA Warranties (Pty) Ltd, Company Registration Number 2002/022941/07 SA Warranties is an Authorised Financial Services Provider, FAIS License number 21799 1 st Floor Vasco da Gama Private Bag X5 26 Ernest Oppenheimer Street Bruma Bruma, 2026 2026 Tel: 0860 927 726 Fax: 0860 329 729 More than 30% of our income in the last calendar year was received from the insurer and we do not hold more than 10% of the insurer s shares. We are in possession of Professional Indemnity Insurance. We do hold Fidelity Guarantee Insurance. We are in possession of a mandate to act on behalf of the insurer. The Administrator is an authorised financial services provider in terms of the FAIS Act. The Administrator has contractual relationships with different insurers. 2. Claims Procedure In order to claim, contact SA Warranties. All SA Warranties details appear in your policy document and on our website. SA Warranties must be notified within 30 days of the claim event. If you are not satisfied with the outcome of your claim, you may write to the Complaints Department of SA Warranties at any of the addresses above within 180 days of the claims decision. You have final recourse to the Ombudsman for Short-Term Insurance at: PO Box 32334 Braamfontein 2017. 3. Particulars of the Insurer Regent Insurance Company Limited is an authorised Financial Services Provider Company Registration number 1966/007612/06 FAIS License number 25511 146 Boeing Road East PO Box 674 Elma Park Edenvale Edenvale, 1610 1610 Tel: 0860 734 368 4. The Dealer (Intermediary) If the policy was sold through a dealership, the dealer is required to make certain disclosures in terms of the FAIS Act. The dealer should provide you with the details of the premiums, commissions and any monetary obligations assumed by you directly or indirectly when buying this policy. 5. Principal Intermediary Fees The following components are included in the premium: A 12.5% intermediary commission and an inspection fee for the completed pre-delivery inspection of the insured vehicle. All prices include VAT. Upfront Premium 12.5% Commission Inspection Fees New Passenger R 5 500.00 R 687.50 R0.00 Pre-owned Passenger R 5 000.00 R 625.00 R1500.00 New 4x4 R 6 500.00 R 812.50 R0.00 Used 4x4 R 6 000.00 R 750.00 R1500.00 Monthly Premium 12.5% Commission New Passenger R 230.00 R 28.75 Pre-owned Passenger R 209.00 R 26.13 New 4x4 R 271.00 R 33.86 Used 4x4 R 250.00 R 31.25 12/09/2011 Page 7 12/09/2011 Page 8

6. Complaints Procedures If you have a complaint about the way this policy was sold to you: First try to resolve it with the intermediary (the intermediary is the person who sold the policy to you) as stated in the information provided to you with your policy document. If the matter cannot be resolved, you can submit a complaint in writing to SA Warranties Complaints Department: The Complaints Officer Tel: 0860 927 726 Private Bag X5 Fax: 086 550 9878 Bruma, 2026 Email: customercare@sawarranties.co.za If the matter is not resolved to your satisfaction by SA Warranties, you may submit your complaint in writing to the Ombudsman for Short-term Insurance: PO Box 32334 Tel: (011) 726 8900 Braamfontein Fax: (011) 726 5501 2017 Email:info@osti.co.za 7. Other 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 satisfied with the accuracy of any transaction submitted by anyone on your behalf. If you are not happy with the advice received, please write to: The Compliance Officer Fax: (011) 579 3500 Regent Insurance Company Email: compliance.st@regent.co.za PO Box 674 Edenvale, 1610 You must not sign any incomplete or blank documents. No person may request or insist that you do so. 8. Warning Complete all forms in ink. Keep all documents handed to you. Don t be pressurised to buy the product. Incorrect or non-disclosure by you of relevant facts may influence an insurer on any claims arising from your contract of insurance. 9. FAIS Ombud Details for all FAIS Advice Related Complaints If you have a problem with the way the product was sold to you, the disclosures that were made to you or the advice that was given to you by the intermediary (broker), you must contact the intermediary. If you are not satisfied with the reply, you may submit your complaint in writing to the FAIS Ombud at: PO Box 74571 Lynnwood Ridge 0040 Tel: 0860 FAISOM (324 766) Fax: (012) 348 3447 E-mail: info@faisombud.co.za 12/09/2011 Page 9