Thari ya Baruti Terms & Conditions

3 IMPORTANT INFORMATION FOR MEMBERS OF THE CHURCH As a member of Zion Christian Church, it is common knowledge that we embrace the principle of peace amongst men and women of all nations and creeds. It is worth remembering that a good and dedicated member with the rest of the congregation does not: • Smoke; or • Drink any alcoholic drink, including tribal beers or concoctions. A member of Zion Christian Church should: • attend Church at least once a month even when he or she is away from home; • not attend or send his/her children (natural children, adopted children or wards) to any initiation school; and • ensure that his/her family continues to adhere to all the above and all other Church regulations. IMPORTANT DEFINITIONS Additional Funeral Benefit means an amount equal to 50% of the Funeral Benefit payable in terms of the Thari ya Baruti Funeral Policy upon your death as the policyholder. Additional Personal Accident Benefits means an amount equal to 50% of the Personal Accident Benefits in terms of the Thari ya Baruti Dread Disease and Personal Accident Policy upon you, as policyholder, becoming permanently disabled, as described in the Thari ya Baruti Dread Disease and Personal Accident Policy. Additional Premiums means the Monthly premiums payable by the Trust in addition to the Premiums for the Additional Funeral Benefit and the Additional Personal Accident Benefits. AMPP Form means an Amended Member’s Personal Particulars Form as set out in the Payment Receipt Booklet, to be completed by you as a Member when making changes to your Membership to the Trust. If you complete an AMPP Form, the duplicate thereof must be affixed to the Payment Receipt Booklet. Beneficiary means the person nominated by you as a Member in the MPP Form and/or the AMPP Form to receive the proceeds of the insurance benefits as prescribed in terms of the Thari ya Baruti Pukwana ya Kganya Contract. Church Branch means a South African church registered as such with the ZCC. Church Official means the ZCC Committee Members, the ZCC Youth Committee Members, Moria Staff Members, and any other official(s) of the ZCC designated by the ZCC, in consultation with the Trust, as Church Officials in terms of the Master Regulations. Committee Member means a Member who has been officially appointed by the ZCC head office at Moria as a committee member or shadow member of a committee delegated by the ZCC to perform agreed functions relating to a specific Church Branch. Dread Disease Benefits means the dread disease benefits payable in terms of the Thari ya Baruti Dread Disease and Personal Accident Policy. Effective Date means 1 January 2023. Enhanced Ancillary Benefits means all ancillary benefits provided and/or procured by the Trust for the Members who qualify for the Enhanced Ancillary Benefits as set out in the Enhanced Benefits Regulations. Enhanced Benefits means the membership package available to Members who qualify for Enhanced Benefits in terms of the Enhanced Benefits Regulations, which membership package entitles Members to i) access the Thari ya Baruti Pukwana ya Kganya Contract; ii) payment of the Premiums and Additional Premiums in terms of the Thari ya Baruti Pukwana ya Kganya Contract; and iii) the Enhanced Ancillary Benefits as set out in the Enhanced Benefits Regulations and summarised herein. Enhanced Benefits Regulations means the Enhanced Benefits Regulations issued by the Trust in terms of the Trust Deed of the Trust, read with the Master Regulations, as amended from time to time in terms of the Trust Deed, read with the Master Regulations. A copy of the Enhanced Benefits Regulations is included in this Membership Terms and Conditions Booklet as Annexe B . Existing Members means all Members who were Members of the Trust at any time before the Effective Date. Existing Membership Book means any existing membership book of the Trust, issued to an Existing Member, in issue as at the Effective Date. Funeral Benefits means the funeral benefit payable in terms of the Thari ya Baruti Funeral Policy. Insurer means Sanlam Developing Markets Limited (registration number 1911/003818/06), a licensed insurer in terms of the Insurance Act, 18 of 2017 who underwrites the Thari ya Baruti Pukwana ya Kganya Contract. KIA means Kganya Insurance Administrators (RF) Proprietary Limited (registration number 1995/007875/07), who acts as administrator of both the Trust and the Insurer and who is licensed as a financial services provider in terms of the Financial Advisory and Intermediary Services Act, 37 of 2002, with license number 7974. Leeto la Moria Receipts means a receipt as may be purchased by you as a Member from the Trust, provided you qualify as a Member in Good Standing, which entitles you to purchase a return bus ticket on a first-come, first-served basis at a discounted price in order to attend religious celebrations held at Zion City during April, September and December during the same year in which the Leeto la Moria Receipt was purchased, as set out in the Enhanced Benefits Regulations. Master Regulations means the Master Regulations issued by the Trust in accordance with the provisions of the Trust Deed, as amended from time to time in terms of the Trust Deed, read with the Master Regulations. A copy of the Master Regulations is included in this Membership Terms and Conditions Booklet as Annexe A . Member means a member of ZCC (including an Existing Member) who is a Church Official and who satisfies the requirements for membership to the Trust as provided for in the Master Regulations, read with the Enhanced Benefits Regulations and who is a vested beneficiary of the Trust pursuant to such membership. “ Membership ” shall have a corresponding meaning. Member in Good Standing means a Member who satisfies the requirements for a Member in Good Standing through payment of Membership Contributions in order to qualify for the Enhanced Ancillary Benefits as set out in the Enhanced Benefits Regulations. This is also referred to as “ Good Standing ”. Membership Book means collectively i) this Membership Terms and Conditions Booklet; ii) the Payment Receipt Booklet; iii) all Existing Membership Books; iv) any other documents issued by the Trust from time to time relating to Membership, purchased by you as a Member against payment of a Membership Book Purchase Price, including any amendments and/or endorsements thereto as provided for in the Master Regulations. Membership Book Purchase Price means the price determined from time to time by the Trust for a Membership Book, which Membership Book Purchase Price must be paid in order to procure a Membership Book as a condition to membership to the Trust.