VALUE+ FUNERAL PLAN RANGE

1. Retail Mass Market Broker Distribution VALUE+ FUNERAL PLAN RANGE February 2014 A dignified farewell for you and your loved ones

2. THE VALUE+ FUNERAL PLAN RANGE Individual Funeral Plan Family Funeral Plan Parents Funeral Plan (maximum of four parents) Extended Family Funeral Plan (maximum of eight relatives)

3. PRODUCT FEATURES AND BENEFITS Minimum Premium: R70.00 per month Maximum Cover: R50 000 (Individual, Family Funeral Plans) R30 000 (Parents and Extended Funeral Plans) where the lives covered are additional spouse, son/daughter-in-law and own child) R15 000 (Extended Funeral Plan - other relatives) Premium Paying Term: Whole of life – until death, disablement Benefit Increases: The Benefit increases will always be greater than the premium increase, in other words, cover gets cheaper over time Premium Increases: Annually increasing premium at compound rate of 7.0%. Current rate but is subject to change in the future Maximum Entry Ages: Policyholder: age 64 lbd Other Lives: age 84 lbd Waiting Periods: No waiting period applies for accidental death or disablement. 6 months for non-accidental causes and 12 months for non-accidental causes of disablement Money Back Guarantee: If non-accidental death occurs in the first 6 months, a benefit equal to the amount of the monthly premiums received will be paid Premium Holiday Benefit: The Premium Holiday 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 Cash Back Benefit: Cash back of 5 months premiums’ after every 60 premiums paid

4. PRODUCT FEATURES AND BENEFITS Double Accidental Death Cover: On accidental death, double the amount of cover is paid out, even if policy is in a paid-up status Death or Disablement: Full paid-up Benefit at any time during the policy term, after 12 (policyholder) months. A reduced Paid-up Benefit is available if monthly premiums stop after 10 years. Terminal Illness Benefit: Provides for an accelerated lump-sum payment (50% of the cover at that time) – even if policy is paid-up, after 10 years Medical Underwriting: No automatic medical testing. Health questions apply. Surrenders & Withdrawals: Funeral plans do not acquire surrender values and no part withdrawals are possible Effective Date for Increases: Both premium and cover increases are effective on the 1st July each year (subject to policy being in force for at least 6 months). Cessions: Funeral plans may not be ceded as security Funeral Support Benefit: Transport of the deceased by road or air from anywhere in the world to a funeral home closest to the burial

5. 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.

6. Terminal Illness Benefit provides for accelerated lump-sum payment Cover gets cheaper over time Double Accidental Death Benefit R30 k Money-back Guarantee in waiting period R25 k R20 k R15 k Full Paid-up Benefit after 12 months R10 k Waiting period 6 months for non-accidental death R7.5 k Cash-back of 5 months premiums after every 60 premiums R5 k 6 premium skips at any time 6 month 5 years 10 years 15 years Reduced paid-up benefit even if premiums cease after 10 years VALUE+ FUNERAL PLAN RANGE