ACCIDENTAL DEATH & DISABILITY PLAN

1. Retail Mass Market Broker Distribution February 2014 ACCIDENTAL DEATH & DISABILITY PLAN Offers cover in the event of accidental death or disability

2. PRODUCT FEATURES AND BENEFITS Minimum Cover: R50 000 Maximum Cover: R250 000 Plan Type: Whole life Cover Increases: Cover increases annually at 5% Premium Increases: Premiums increase annually, initially targeting 5% (not guaranteed) Maximum Entry Age: 60 lbd Lives Covered:Policyholder only, who also needs to be the premium payer. A spouse may pay the premiums on the policyholder’s life HIV+ diagnosed individuals qualify for cover Death or Disablement: On Accidental Death or Disability: Full cover paid from application date On Non-Accidental Death or Disability: Money Back Guarantee Paid-up Benefits: No paid-up Benefits are available. Premiums must continue for cover to continue Money Back Guarantee:Equal to the total premiums received, on non-accidental death or disability throughout lifetime of policy to a maximum of current cover Premium Holiday Benefit:Allows for up to six premiums to be skipped during the term of the policy. This benefit is available again to the client, on payment of the skipped premiums

3. PRODUCT FEATURES AND BENEFITS Cash Back Benefit: Cash back of 5 months’ premiums after every 60 premiums paid Funeral Support Benefit: Transport of the deceased by road or air from anywhere in the world to a funeral home closest to the place of burial Deferred Period: Payment of disability claims may be subject to a 6-month deferred period, to allow for investigations into validity and permanence, that is the disability should have lasted continuously for 6 months. This may be waived if insured has permanent/irreversible loss. Policyholder may exercise the Premium Holiday option during this period (if it’s available) Recognition of Disability: Disability will be recognised in the event of the total & permanent loss of the use of at least one hand or foot and/or loss of the sight in one eye due to an accident, or total and permanent loss of the use of both hands/feet or one of each due to sickness. While you are permanently employed as a teacher, have suffered demonstrable physical damage to your vocal cords and are prevented from speaking to a degree that you are unable to work as a teacher, or while you are permanently employed as a court interpreter, have suffered demonstrable damage to your vocal cords or lose your hearing to a degree that you are unable to work as a court interpreter Disability Exclusions: Due to self-inflicted actions (attempted suicide), deliberate exposure to exceptional danger (except in attempt to save human life), own criminal act, being affected by alcohol or drugs (not prescribed by registered medical practitioner)

4. 24 HOUR FAMILY SUPPORT SERVICES Access to the following Family Support Services* from independent service providers: Health support*:Telephone access to health advisers for assistance with health queries. Trauma, assault and HIV treatment*: Assistance and treatment following assault (e.g. rape, hijacking, child abuse), accidental exposure to HIV or other kinds of trauma. Emergency medical response*: Advice, emergency treatment and transportation to an appropriate medical facility. Legal support*: Free telephone advice and assistance on legal matters, help with legal documents. Important note: *Family Support Services - Certain terms and conditions apply to the facilitation of this access. For a copy of these, call 0860 00 1919. Old Mutual facilitates access to independent Family Support Service providers. Such access is not offered as a benefit under your insurance policy and may be varied or cancelled at any time. The service providers provide services directly to you on terms agreed between you and the service providers. Old Mutual does not accept any liability arising from the services rendered by the service providers.

5. Up to R250 000 Acc. Death/Disab. Benefit R150k R125 k On accidental death/disability, immediate cover On non-accidental Death/Disability, cover equal to amount of premiums received R100 k R75 k R50 k R40 k Cash-back every 5 years R30 k 6 premium skips at any time 6 months 5 years 10 years 15 years ACCIDENTAL DEATH & DISABILITY PLAN