TYB PYK Contract Summary and Disclosures including Continuous Amendments

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 R15.72 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 R0.02 Thari ya Baruti Dread Disease and Personal Accident Policy payable in terms of the Additional Premium R0.01 Thari ya Baruti Basic Needs Benefit Policy R0.00 Total Commission R17.05 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.za Website : www.sanlam.co.za 3.2 Compliance department Telephone: 0861 235 433 Email : RMCompliance@sanlamsky.co.za 3.3 Complaints department Please contact SDM on 0861 235 433 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 National Financial Ombud Scheme South Africa (NPC) 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. NATIONAL FINANCIAL OMBUD SCHEME SOUTH AFRICA (NPC) 6.1 The National Financial Ombud Scheme who is contactable at: 6.2 National Financial Ombud Scheme South Africa (NPC) Johannesburg Physical Address: 110 Oxford Road Houghton Estate Johannesburg Gauteng, 2198 Cape Town Physical Address: Claremont Central Building 6 th Floor, 6 Vineyard Road Claremont Western Province, 7700 Telephone: 0860 800 900 WhatsApp: +27(0) 66 473 0157 Email : Info@nfosa.co.za Website : www.nfosa.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 o n www.sanlam.co.za / https://mykganya.com a nd 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 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;