Continuous Amendments to Thari Ya Baruti Membership Terms and Conditions

28 KIA Per telephone: 0800 000 538 Per email: help@kganya.co.za Website: https://mykganya.com KIA service centres, the details of which can be found at Annexe F or at https://mykganya.com 10. COMPLAINTS 10.1 If you have a complaint in respect of your Membership, the Membership Contributions paid and/or the Enhanced Benefits provided and/or procured pursuant to Membership to the Trust, such Complaints must be lodged with KIA (acting for and on behalf of the Trust) in the following manner: • by email: complaints@kganya.co.za; or • by phone: 0800 000 538; or • in person: via any of the KIA service centres which details can be found in Annexe F or on the website of KIA at https://mykganya.com . 10.2 Any complaints in respect of the Thari ya Baruti Pukwana ya Kganya Contract must be directed to the Insurer, or to KIA on behalf of the Insurer, as follows: • by email : gbcomplaints@sanlamsky.co.za; or • by phone: 0861 235 433; or • in person: via any of the KIA service centres or any of the Insurer's service centres, which details can be found i n Annexe G o r on the website of KIA at https://mykganya.com or the website of the Insurer at www.sanlam.co.za. 11. IMPORTANT PROVISIONS IN TERMS OF THE CONSUMER PROTECTION ACT 11.1 By accepting the terms and conditions of Membership, you acknowledge that you understand, in respect of liabilities, legal responsibilities, assumption of risks and indemnities: