LIBERTY FUNERAL PLUS PLAN

1 ADVICE INSURE INVEST LIBERTY FUNERAL PLUS PLANA SINGLE PLAN IS ALL YOU NEEDADVICE INSURE INVEST A single plan is all you needFUNERAL COVERYOU CAN AFFORD cover up toR100 000 at an affordable premiumFromR40per monthCOVER MOREOF YOUR LOVED ONESUp to32peopleOnONEpolicyMORE BENEFITSTO CHOOSE FROMO ptional Benefits:Double AccidentTombstoneInkomo CashCash BackPaid UpValue-addsWAITINGPERIOD6 MONTHS waiting periodPays out in48 hoursPREMIUM SKIPHELPIN TOUGH FINANCIAL TIMES Choose to skip a month s premium once a year. Accumulate up to 6 premium skips for when you need them INSURE INVEST LIBERTY FUNERAL Plus PlanFuneral cover you can affordFrom R40 per month*At LIBERTY , we want to help you achieve financial freedom across your lifestyle needs.

2 This includes your FUNERAL cover, where we believe you should have the freedom to choose the type of cover and benefits that suit you. Your FUNERAL plan should not offer you limited benefits, or make you take benefits that you don t need. Rather you should be able to choose the benefits that suit your budget and your needs. Our FUNERAL Plus Plan gives you this important freedom. You are also able to take out cover for up to 32 eligible members (including your spouses, children, parents and extended family), without you yourself having to be covered on this South Africa, the average FUNERAL costs between R12 000 and R60 000, while more expensive funerals can cost as much as R150 000.

3 Without FUNERAL insurance, death can bring unexpected expenses that you may not be prepared for. FUNERAL Plus Plan helps cover these expenses all in one plan, giving you peace of Life AssuredSpouseChildrenChildren under 6 ParentsExtended FamilyWHO CAN BE COVEREDMINIMUMMAXIMUMR 5000R 5000R 5000R 5000R 5000R 5000R 100 000R 100 000R 50 000R 20 000R 80 000R 50 000 Stillborn or up to3 Months (baby)3 Months - 5 years6 - 13 Years14 Years and OlderFixed at R 3000(Claim limited to 2)Limited to R 20 000 Limited to R 50 000 Child Benefit AmountCHILDCHILD BENEFIT AMOUNT PAIDADVICE INSURE INVEST Cover more of your loved onesUp to 32 peopleWe know the importance of family and doing everything you can to help and protect them.

4 Having a larger family should not mean you are restricted in offering your loved ones all the support they need, including FUNERAL cover. Our FUNERAL Plus Plan lets you cover all your loved ones, at an affordable rate. You may even have people who are important to you but are not family, who you would like to cover for FUNERAL expenses. That s why you caninclude your domestic worker or gardener on your FUNERAL to 3Up to 10A child can t be covered without the principal Life or SpouseUp to 8Up to 10 Principal LifeSpouseChildrenParentsExtended FamilyWHO CAN BE COVEREDAGENUMBER OF LIVES THAT CAN BE COVERED18 - 6518 - 650 - 2418 - 840 - 84 LIBERTY FUNERAL Plus PlanADVICE INSURE INVEST The person in whose name the policy is issued and who is agedbetween 18 and 65 at the time of LifeSpouseChildrenParentsExtended FamilyWHO CAN BE COVEREDAGEUNDERSTAND WHO THESE LIVES ARE18 - 6518 - 650 - 2418 - 840 - 84A person aged between 18 and 65 at the start date.

5 Married to the Principal Life Assured either by civil, tribal, common or customary law, or by Asiatic religion, or a person in a same sex or heterosexual cohabiting relationship with the Policyholder. Unmarried people under the age of 25 at the date of entry. These include: A biological child of the Policyholder A legally adopted child of the Policyholder A step child of the Policyholder The Spouse s biological, step or legally adopted child A stillborn child of the Policyholder, following at least 28 weeks of pregnancy and 3 months after birth A child of whom the Policyholder or spouse is the permanent, primary caregiver and is dependent on them for 12 months or longer before the start of the policy or addition to the policy.

6 A parent of the Policyholder and / or Spouse who is between the ages of 18 and 84 at the date of entry. A parent is considered to be the Policyholder or Spouses biological, step or legally adoptive parents. A relative of the Policyholder aged 84 or younger at the date ofentry, who is: The Policyholder s Parent or Parent-in-law, Child, Nephew or Niece Uncle or Aunt, Cousin, Grandparent, Grandchild, Brother or Brother-in-law, Sister or Sister-in-law. This may also include a fourth and fifth Spouse, if the Policyholder / Principal Life Assured has more than 3 Spouses. The Policyholder s domestic worker and gardener may also be included. Cover more of your loved onesUp to 32 peopleWe know the importance of family and doing everything you can to help and protect them.

7 Having a larger family should not mean you are restricted in offering your loved ones all the support they need, including FUNERAL cover. Our FUNERAL Plus Plan lets you cover all your loved ones, at an affordable rate. You may even have people who are important to you but are not family, who you would like to cover for FUNERAL expenses. That s why you caninclude your domestic worker or gardener on your FUNERAL FUNERAL Plus PlanADVICE INSURE INVEST More benefits to choose fromA wide range of optional benefitsYou may need certain benefits for added cover, for specific FUNERAL expenses or to help maintain your cover during difficult financial times.

8 FUNERAL Plus Plan lets you choose the benefits you want, each at an additional cost. You are also able to extend some of these benefits to other loved ones covered under your plan, such as your spouses. Each benefit can be added or removed at any time, depending on your freedom to choose your benefits means a FUNERAL plan that truly suits your needs and flexibility is another way in which we help you achieve financial FUNERAL Plus PlanADVICE INSURE INVEST the chosen FUNERAL sum assuredon accidental death, giving your loved ones greater financial assistance for FUNERAL DOUBLED ouble AccidentInkomo Cashin addition to the FUNERAL sum assured (+ tombstone if selected).

9 This helps cover additional and unforeseen costs related to the 000 Pays a lump sum benefit ofTombstoneper life assuredin addition to the FUNERAL benefit. This allows you to use the full value of the FUNERAL sum for all that is needed for the R10 000 Paid Upyou don t need to pay any premiums and the policy remains in force. You keep your FUNERAL benefits even once you have BirthdayFrom yourValue AddedGET CASH TO HELP WITH airtime, groceries and transportand other all your premiums paid over those five years. This is a welcome benefit you can use in times of BonusYOU GET BACK 10%After 5 yearsLiberty FUNERAL Plus PlanADVICE INSURE INVEST Tombstone BenefitThe Tombstone Benefit will pay a lump sum amount if you (the Principal Life Assured) or your Spouse covered under this benefit, understand the importance of a loved one s tombstone as part of the burial custom.

10 It represents an important monument dedicated to the your loved on and helps to create a dignified benefits to choose fromA wide range of optional benefitsKEY FEATURESHOW MUCH IS PAID FOR THIS BENEFIT?R10 000 is paid per life IF I HAVE CHOSEN TO ADD OTHER OPTIONAL BENEFITS?This benefit will still pay in addition to your other chosen benefits, and in addition to your FUNERAL sum CAN GET THIS COVER?The Tombstone Benefit is available separately for you (the Principal Life Assured) and your AGES ARE ELIGIBLE FOR THIS BENEFIT?A person must be between 18 and 64 years old to be added to the policy. These limits apply to you (the Principal Life Assured) and your spouse.