Natu brought to you by: Metropolitan Group Schemes

1. Affordable products for members of: Natu brought to you by:Metropolitan Group Schemes Metropolitan is an authorised Financial Services Provider

2. Do you know what a funeral can cost you? • Burial costs – up to R20 000 • Basic fee, coffin, mortuary, funeral service, grave costs, etc. • Other • Flowers • Traveling to and from the funeral • Accommodation of guests • Hiring of tents, chairs • Catering • Obituaries • Pamphlets in church, etc.

3. Have you made provision for these costs? How to solve the problem • Become a member of this scheme • You need to be younger than 65 at your age next birthday

4. Metropolitan Group Schemes offers you: • Family Funeral Plan • Parent Funeral Plan • Extended Family Funeral Plan • Investment Plans

5. DreamBuilder Standalone Family Funeral Plans Member only Member & life partner Member & children Family

6. Funeral cover • Family • Covers the member, Life Partner and dependent children • Cover level varies from R5000 up to R30 000 • Member and children • Covers the member and children • Cover level varies from R5 000 up to R30 000

7. Funeral cover • Member and Life Partner • Covers the member and Life Partner • Cover level varies from R5000 up to R30 000 • Member-only • Covers only the member • Cover level varies from R5000 up to R30 000

8. Premium rates

9. Premium rates

10. Cover levels

11. Standalone Parent Funeral Plan Cover 4 parents Own parents and/or parents-in-law Maximum cover level – R30 000

12. Parent Funeral Plan • Cover your own parents and parents-in-law - maximum of 4 parents • Cover level varies from R1000 up to R30 000 • 3-Months waiting period • Parents need to be younger than 85 years age next birthday • Can be taken as a standalone plan

13. Premium rates and cover levels Parents need to be younger than 85 years age next birthday at entry or upgrade of cover

14. Standalone Extended Family Funeral Plan Cover up to 9 relatives Aunts, uncles, cousins, nieces, brother-in-law, etc. Maximum cover level R30 000

15. Extended Family Funeral Plan • Covers up to 9 extended family members e.g. aunts, uncles, grandparents, cousins • Cover level varies from R3 000 up to R30 000 • 6-Months waiting period • Extended family members need to be younger than 85 years age next birthday • Can be taken as a standalone plan

16. Premium rates Extended family members need to be younger than 85 years age next birthday at entry or upgrade of cover

17. Cover levels

18. Benefits included in the funeral plans • Paid-up benefits at the main member's • Death, Disability or Retirement • No more premiums will be payable for the rest of the participants if a Paid-up policy is issued • Paid-up benefits at retirement will be calculated according to a sliding scale • Accident benefits (double your cover) for the members, spouse and children older than 14 at the accidental death of the participant • Continuation benefit: cover continues if you are no longer a member of the scheme

19. Optional Benefits • Funeral Services Benefits • Provides funds for costs after the burial at the funeral, i.e. • Hiring of tents, chairs, equipment at the funeral • Providing for a ceremonial tombstone • Catering on the day of the funeral • Funeral clothes, etc. • Member only: cover varies from R5 000 up to R30 000 • Life Partner: cover varies from R5 000 up to R10 000

20. Premium rates and cover levels

21. Optional Benefits • Automatic Inflation Management (AIM) Benefit • Allows cover level to keep track with inflation • Choose 6% premium increase and 4.2% cover increase or 10% premium increase and 7% cover increase • Cover level increases annually on policy anniversary

22. DreamBuilder Investment Plans Savings Plan Education Plan Cash Plan Pension Plan

23. DreamBuilder Savings Plan • Product need: to create a culture of saving for a specific goal, i.e. deposit on a small car, house, business, vacation, etc. • Minimum premium: R85 pm for a 15-year term • Optional supplementary benefits: • Automatic Inflation Management (AIM) • Premium waiver at death / at death and disability of life 2 • Premium waiver at disability of life 1

24. DreamBuilder Education Plan • Product need: provide funds for educational purposes, i.e. school fees, extramural classes, college, university, etc. • Minimum premium: R160 pm for a 15-year term • Optional supplementary benefits: • Automatic Inflation Management (AIM) • Premium waiver at death / at death and disability of life 2 • Cash withdrawals after five years – one withdrawal allowed per year

25. DreamBuilder Cash Plan • Product need: to provide cash for i.e. house renovations, carpeting, purchasing a computer, etc. • Minimum premium: R160 pm for a 15-year term • Optional supplementary benefits: • Automatic Inflation Management (AIM) • Premium waiver at death / at death and disability of life 2 • Premium waiver at disability of life 1 • Cash withdrawals after five years – one withdrawal allowed per year

26. DreamBuilder Pension Plan • Product need: provides pension at retirement • Minimum premium: R90 pm for a 15-year term • Optional supplementary benefit: • Automatic Inflation Management (AIM)

27. Can you afford to lose out on these benefits? • Affordable premiums • Variety of benefits to choose from • You do not have to undergo medical testing • We have a wide network of offices where you can claim • Specialised consultants to assist you to make your choice

28. Metropolitan Group Schemes provides affordable products for all your needs!