TYB Pukwana ya Kganya Contract Summary & Disclosures

11 Cooling off 11.1 You have 31 (thirty-one) days from the Inception Date to cancel the Contract (" cooling-off period ") unless a Benefit is claimed or paid or an Insured Event has occurred. 11.2 Please notify Us if You wish to cancel Your Contract within the cooling-off period by way of communication via Our administrator, Kganya Insurance Administrators as follows: 11.2.1 at any one of the Kganya Insurance Administrators Service Centres; or 11.2.2 Per telephone: 0800 000 538 11.2.3 Per email: help@kganya.co.za 11.3 If You cancel the Contract, it will be deemed that You have similarly elected to cancel Your Membership to the Trust in accordance with the Master Regulations. This is so since You can only gain access to this Contract through Your Membership, and that all Members to the Trust automatically receive, as part of the Membership, the Benefits in terms of the Contract. 11.4 Furthermore, if You cancel Your Membership to the Trust, it will be deemed that You similarly cancelled this Contract. 11.5 A notification to the Trust for cancellation of Your Membership, shall also be deemed to constitute a notice of cancellation of this Contract and the other way around as well. 12 Cancellation 12.1 We will be entitled to cancel this Contract by means of 31 (thirty-one) days' written notice to You, or such longer period, in the event that: 12.1.1 fraud is committed; 12.1.2 any false and/or untrue representation was made to Us and/or any relevant information was not disclosed to Us which materially affected Our ability to assess the risk under this Contract at the date of conclusion or variation of this Contract; 12.1.3 termination of the Contract is required as a result of any change in the Applicable Laws; 12.1.4 You no longer qualify as a Member of the Trust; or 12.1.5 the Trust and/or We terminate Our relationship with each other, for whatever reason. This is necessary as the Trust is the premium payer and stands in a relationship with Us which is required for purposes of this Contract. 13 Effect of cancellation If the Contract is cancelled, no Benefits will be paid if an insured Insured event Event happens after the date of cancellation. 14 Review of the Contract We may amend the terms of the Contract with notice to You at all times, subject to compliance with the Contract and the Applicable Laws. It is Your obligation to monitor the cover and Benefits and to ensure it is sufficient for your needs. 15 Benefits, Limitations and Exclusions and some important provisions relating to Benefits Note: We may review the Benefits and change the Benefits as set out in the Contract. Benefit Applicable terms (summary) Natural Death Accidental Death Funeral Benefits and Additional Funeral Benefits in terms of the Thari ya Baruti Funeral Policy What We will pay The Funeral Benefit is available to You and all Assured Lives. The Additional Funeral Benefit is only available to You and not also to Your Dependent Child /Children and/or Paid-up Dependants. The Trust will pay the Premiums in respect of the Funeral Benefit and the Additional Premium in respect of the Additional Funeral Benefit. When will We pay On the death of an Assured Life due to natural causes, after the expiry of the Waiting Period of 91 days calculated from the Inception Date, if You have, subject to the Forgiveness Rules, paid Your Membership Contributions for 3 (three) consecutive Months preceding the Month in which the death of the Assured Life occurred , whereby the Trust has paid or will pay Your Premiums and Additional Premiums due to Us as required in terms of the Thari ya Baruti Funeral Policy. On the death of an Assured Life because of an Accident provided that: You have, subject to the Forgiveness Rules, paid Your Membership Contribution i) in the Month preceding the Month in which the death of the Assured Life occurred; or ii) in the Month which the death of the Assured Life occurred, but before the date of the death of the Assured Life, whereby the Trust has paid or will pay Your Premiums and Additional Premiums due to Us as required in terms of the Thari ya Baruti Funeral Policy. What is the Waiting Period 91 days from the Inception Date. No Waiting Period is applied.