TYB Pukwana ya Kganya Contract Summary & Disclosures

DISCLOSURE NOTICE IMPORTANT INFORMATION – PLEASE READ CAREFULLY (This notice must be read with the Contract) As a policyholder, You have the right to the following information: 1. INTERMEDIARY 1.1 Kganya Insurance Administrators (Pty) Ltd (RF) (KIA) (registration number 95 / 007875/ 07) wholly-owned by Kganya Investment Holdings (Pty) Ltd, which in turn is wholly owned by ZCC. 1.2 KIA has been appointed by SDM to render certain administration services on behalf of SDM in respect of the Contract. 1.3 KIA is a private company with limited liability. KIA has been issued with a license in terms of Section 8 of the Financial Advisory and Intermediary Services Act, 2002 and is a registered Financial Services Provider with FSP number 7974. 1.4 KIA has been authorised to render intermediary services with regard to Long Term Insurance: Cat A; Cat B1-A and Cat B1, Short Term Insurance: Personal Lines; Personal Lines A1 and Cat IV: Assistance Business FSP. KIA holds the requisite professional indemnity and fidelity guarantee cover. 2. BUSINESS CONTACT DETAILS 2.1 KIA’s main place of business is at 328 Rivonia Boulevard, Rivonia, Johannesburg, 2128 and it has Service Centres throughout South Africa (see Annexe F of Membership Terms and Conditions Booklet). PO Box 394, Rivonia, 2128 Tel: 011 807 4440 Fax: 011 803 9555 Website: https://mykganya.com 2.2 Relationship with SDM 2.2.1 KIA is authorised to render services in respect of the Benefits. 2.2.2 KIA earns commission for the services it renders as follows: Thari ya Baruti Funeral Policy payable in terms of the Premium R14.72 Thari ya Baruti Funeral Policy payable in terms of the Additional Premium R1.30 Thari ya Baruti Dread Disease and Personal Accident Policy payable in terms of the Premium R0.03 Thari ya Baruti Dread Disease and Personal Accident Policy payable in terms of the Additional Premium R0.02 Thari ya Baruti Basic Needs Benefit Policy R0.00 Total Commission R16.07 The commission is payable by SDM from the Premium and Additional Premium received. 2.2.3 KIA does not hold shares in SDM. KIA annually receives more than 30% of its total remuneration from SDM. 2.3 Compliance department Tel: 011 807 4440 Email: compliance@kganya.co.za 3. PRODUCT SUPPLIER / INSURER 3.1 Sanlam Developing Markets Limited Registration No: 1911/003818/06 FSP No: 11231 PO Box 1941, Houghton, 2041 Sanlam, 9 – 13 West Street, Houghton, Johannesburg, 2196 Tel: 011 359 9770 Email: gbcentre@sanlamsky.co .z a Website: www.sanlam.co.za 3.2 Compliance department Telephone: 011 359 3058 Email: RMCompliance@sanlamsky.co.za 3.3 Complaints department Please contact SDM on (011) 359 3014 or email gbcomplaints@sanlamsky.co.za and have the following information available: 3.3.1 Policy number (control number as per Payment Receipt Booklet); 3.3.2 Identity number; and 3.3.3 Nature of enquiry. 3.4 Complaints which are not resolved to Your satisfaction must first be referred to SDM’s Legal & Compliance department. Complaints which are still not resolved to Your satisfaction may be referred to SDM’s Arbitrator. Complaints which are still not resolved may be referred to the Ombudsman for Long-Term Insurance or the Financial Sector Conduct Authority. 3.5 All complaints must be reduced to writing and accompanied by any supporting documents. A copy of Our complaints procedure can be provided to You on request 4. SDM ARBITRATOR Fax: (021) 957 1786 Email: arbitrator@sanlam.co.za 5. FAIS OMBUD 5.1 The FAIS Ombud who is contactable at: 5.2 FAIS Ombud PO Box 74571, Lynwood Ridge, 0040 Kasteel Park Office Park, Orange Building, 2nd Floor, Cnr of Nossob and Jochemus Street, Erasmuskloof, Pretoria Tel: 012 470 9080 Fax: 012 348 3447 Email: Info@faisombud.co.za Website: http://www.faisombud.co.za/ 6. LONG-TERM INSURANCE OMBUD 6.1 The Long-term Insurance Ombud who is contactable at: 6.2 Long-term Insurance Ombud Private Bag X45, Claremont, Cape Town, 7735 3rd Floor, Sunclare Building, 21 Dreyer Street, Claremont, Cape Town, 7700 Tel: 021 657 5000 / 0860 103 236 Fax: 021 674 0951 Email: Info@ombud.co.za Website: www.ombud.co.za 7. FINANCIAL SECTOR CONDUCT AUTHORITY PO Box 35655, Menlo Park, 0102 Riverwalk Office Park, Block B, 41 Matroosberg Road (Corner Garsfontein and Matroosberg Roads), Ashlea Gardens, Extension 6, Menlo Park, Pretoria Tel: 012 428 8000 Fax: 012 347 0221 Website: http://www.fsca.co.za 8. OTHER MATTERS OF IMPORTANCE 8.1 The product supplier (SDM) must give You written notice of its intention to cancel Your policy 8.2 You are entitled to a copy of Your policy free of charge 8.3 KIA has a conflict of interest management policy, which can be accessed at https://mykganya.com . 8.4 SDM has a conflict of interest management policy, which can be accessed at www.sanlam.co.za .. 8.5 For all the details about your Contract, please read the summary document. This contains all important details such as the premiums payable, Benefits and all important terms and conditions which you must comply with. 9. USE OF PERSONAL INFORMATION & SHARING OF INSURANCE INFORMATION 9.1 KIA and SDM will process and protect Your personal information as required by relevant laws and the constitution of the RSA. This may include health and financial information. The complete privacy policies of SDM and KIA are available on www.sanlam.co.za / https://mykganya.com and at a branch nearest to You. 9.2 We collect, process, collate, store, analyse and disclose personal information for the following purposes: 9.2.1 to conclude and administer the Contract, which may include underwriting; 9.2.2 collection of premiums; 9.2.3 assessing and processing claims Claims and to do mandatory checks; 9.2.4 to comply with all legal and regulatory requirements, including applicable codes of conduct in our industry; 9.2.5 to protect SDM and KIA’s interests; 9.2.6 prevent loss, or fraud; 9.2.7 offer additional financial products or services as requested by the Kganya Benefits Fund Trust from time to time; 9.2.8 share with other business units and companies which are part of the SDM or KIA's group for the sole purposes of administering the Thari ya Baruti Pukwana ya Kganya Contract; and 9.2.9 for any other purposes related to the above. 9.3 You have the right to request a copy of Your personal information as processed by SDM and KIA, ask for an update and/or correction of Your personal information and object to Your information being used for any marketing campaign.