PYK Contract Summary and Disclosures including Continuous Amendments

Benefit Applicable terms (summary) Natural Death Accidental Death Documents required • DDCN Form signed by three Committee Members and all such documents as set out in the DDCN Form. In the event that the Committee Members are unable or unwilling to sign the DDCN Form, You may approach Us directly with the claim, or lodge a complaint; • original or certified copy of the Medical Report; • original or certified copy of Your identity document / identity card (copied both sides); • confirmation of Membership to the Kganya Benefits Fund Trust, including original and/or certified copy of the Payment Receipt Booklet; • confirmation of bank account into which the Dread Disease Benefit must be paid; and • any other documents required by Us. Basic Needs Benefit in terms of the Basic Needs Benefit Policy What We will pay Core Basic Needs Benefit Month Core Basic Need Benefit – Voucher value* Month 1 R360 Month 2 R360 Month 3 R360 Month 4 R360 Month 5 R360 Month 6 R360 * The core Basic Needs Benefit of R360 will be paid simultaneously by way of three Vouchers of R120 each. Loyalty Basic Needs Benefit Month Core Basic Need Benefit (Voucher value)* Loyalty Basic Need Benefit payable in the event of 12 consecutiv e Premium payments# (Voucher value)** Loyalty Basic Need Benefit payable in the event of 24 consecutive Premium payments# (Voucher value)** Loyalty Basic Need Benefit payable in the event of 36 consecutiv e Premium payments# (Voucher value)** Loyalty Basic Need Benefit payable in the event of 48 consecutiv e Premium payments# (Voucher value)** Loyalty Basic Need Benefit payable in the event of 60 consecutiv e Premium payments# (Voucher value)** Month 1 R360 R120 R240 R360 R480 R600 Month 2 R360 R120 R240 R360 R480 R600 Month 3 R360 R120 R240 R360 R480 R600 Month 4 R360 R120 R240 R360 R480 R600 Month 5 R360 R120 R240 R360 R480 R600 Month 6 R360 R120 R240 R360 R480 R600 # Premium payments refer to the Premium payment history under the Funeral Policy and the Dread Disease and Personal Accident Policy (with reference to Your payment of Membership Contributions as contained in the Payment Receipt Booklet). * The core Basic Needs Benefit of R360 will be paid simultaneously by way of three Vouchers of R120 each. ** The loyalty Basic Needs Benefit will be paid simultaneously by way of Vouchers of R120 each. By way of example, the loyalty Basic Needs Benefit of R600 will simultaneously be paid by way of 5 Vouchers of R120 each, in addition to the core Basic Needs Benefit of R360, paid simultaneously by way of 3 Vouchers of R120 each. The Basic Needs Benefit (being both the core and the loyalty benefit) will be paid in the form of monthly Vouchers payable for a period of 6 (six) consecutive months, which can be used at selected retailers as set out in the Basic Needs Benefit Policy. The monthly Vouchers may not be redeemed for cash and may only be used for the payment of goods at the retailers. When will We pay: Core Basic Needs Benefit The Insured Events for purposes of the Basic Needs Benefit Policy is Your or a Dependent Child's death, Your or a Dependent Child's Permanent Disablement or when You suffer a Dread Disease. A Claim for the core Basic Needs Benefit will be paid when any of these Insured Events occur and in the event that – i) a Claim for a Funeral Benefit is approved in terms of the Funeral Policy (subject to all terms and conditions and limitations as set out in the Funeral Policy); ii) a Claim for a Personal Accident Benefit is approved in terms of the Dread Disease and Personal Accident Policy (subject to all terms and conditions and limitations as set out in the Dread Disease and Personal Accident Policy); and iii) a Claim for a Dread Disease Benefit is approved in terms of the Dread Disease and Personal Accident Policy (subject to all terms and conditions and limitations as set out in the Dread Disease and Personal Accident Policy). Cover in respect of a Dependent Child of Basic Needs Existing Members in terms of the Basic Needs Benefit Policy will incept on 1 April 2024 (being the Inception Date). When will We pay: loyalty Basic Needs Benefit Policy If a Claim for a core Basic Needs Benefit becomes payable, an additional loyalty Basic Needs Benefit may become payable by considering the consistency of the Premium payment history in terms of the Funeral Policy and Dread Disease and Personal Accident Policy. What is the Waiting Period No Waiting Period is applied. However note that a Claim for a Basic Needs Benefit will only be approved if a Claim for Funeral Benefits, Personal Accident Benefits or Dread Disease Benefits has been approved.