Common use of Benefits Summary Clause in Contracts

Benefits Summary. 20.1.1 This is a summary of the terms, conditions and exclusions of the Travel Policy. 20.1.2 The Travel Policy is available on our web site, xxx.xxx.xx.xx, or you may contact the Global Travel Helpdesk and they will send the Travel Policy to you. If anything is unclear, please contact the Global Travel Insurance Help Desk on 0861 490 100. 20.1.3 The benefits under the Travel Policy are automatically available when the Business Client / cardholder buys a travel ticket (public conveyance) in Namibia & South Africa using their FNB Business Credit Card.‌ 20.1.4 By purchasing travel tickets in Namibia & South Africa (or other specified countries as detailed in the Policy) at full fare on the FNB Business Credit Card, prior to the departure). 20.1.5 This offer only applies if the cardholder is a Namibian or South African citizen (or a citizen of other specified countries as detailed in the Policy) under the age of 76 (seventy six) years and purchases their travel tickets in Namibian & South Africa (or other specified countries as detailed in the Policy). Please obtain a copy of the Travel Policy prior to travelling and ensure you fully understand the Policy. 20.1.6 As certain credit card products may be excluded from the benefits under the Travel Policy, the Business Client must contact the Global Travel Helpdesk prior to the purchase of the travel ticket with the card, to find out which products are excluded. 20.1.7 If the cardholder is between 76 and 85 years of age, we can offer the cardholder another travel insurance option. 20.1.8 The benefits under the Travel Policy are available to cardholders up to and including the age of seventy five (75) years. 20.1.9 The benefits under the Travel Policy will be available for the first ninety (90) days of the cardholder’s journey or until the cardholder reaches the final destination set out on his/her travel ticket, whichever occurs first. 20.1.10 International SOS (Pty) Ltd ("International SOS") provides emergency assistance while you are travelling overseas. If the cardholder needs assistance they may contact International SOS on the telephone number supplied by us. The cardholder may "reverse-charge" the call to International SOS from anywhere in the world. 20.1.11 The maximum accumulation of any benefits payable in respect of any one accident or series of accidents under the policy shall be limited to N$10 000 000 (10 million Namibian Dollars) per travel ticket debited to a valid credit card issued by First National Bank of Namibia Limited (which has been specifically nominated by the bank). 20.1.12 The benefits of the Travel Policy for children under sixteen (16) years old are limited under the Personal Accident Section of the Travel Policy. 20.1.13 The maximum accumulation of any benefits payable in respect of any one accident or series of accidents under the Personal Accident section shall be limited to N$5 000 000 (5 million Namibian Dollars) per valid credit card issued by First National Bank of Namibia Limited (which has been specifically nominated by the bank). 20.1.14 The benefits are summarised in the table of benefits below these benefits are subject to change on reasonable notice to the Business Client / cardholder.

Benefits Summary. 20.1.1 21.1.1 This is a summary of the terms, conditions and exclusions of the Travel Policy. 20.1.2 21.1.2 The Travel Policy is available on our web site, xxx.xxx.xx.xx, or you may contact the Global Travel Helpdesk and they will send the Travel Policy to you. If anything is unclear, please contact the Global Travel Insurance Help Desk on 0861 490 1000860 100 484. 20.1.3 21.1.3 The benefits under the Travel Policy are automatically available when the Business Client / Client/cardholder buys a travel ticket (public conveyance) in Namibia & South Africa using their FNB Business Credit Card.‌ 20.1.4 By Card, by purchasing travel tickets in Namibia & South Africa (or other specified countries as detailed in the Policy) at full fare on the FNB Business Credit Card, prior to the departure). 20.1.5 21.1.4 This offer only applies if the cardholder is a Namibian or South African citizen (or a citizen of other specified countries as detailed in the Policy) under the age of 76 70 (seventy sixseventy) years of age and purchases their travel tickets in Namibian & South Africa (or other specified countries as detailed in the Policy). Please obtain a copy of the Travel Policy prior to travelling and ensure you fully understand the Policy. 20.1.6 21.1.5 As certain credit card products may be excluded from the benefits under the Travel Policy, the Business Client must contact the Global Travel Helpdesk prior to the purchase of the travel ticket with the card, to find out which products are excluded. 20.1.7 21.1.6 If the cardholder is between 76 70 and 85 years of age, we can offer the cardholder another travel insurance option. You can learn more about our other options by calling our call centre on.0000 000 000. 20.1.8 21.1.7 The benefits under the Travel Policy are available to cardholders up to and including the age of seventy five 69 (75sixty nine) years. 20.1.9 21.1.8 The benefits under the Travel Policy will be available for the first ninety (90) days of the cardholder’s journey or until the cardholder reaches the final destination set out on his/her travel ticket, whichever occurs first. 20.1.10 International SOS (Pty) Ltd ("International SOS") 21.1.9 Europ Assistance provides emergency assistance while you are travelling overseas. If the cardholder needs assistance they may contact International SOS Europ Assistance on the telephone number supplied by us+00 00 000 0000. The cardholder may "reverse-charge" the call to International SOS Europ Assistance from anywhere in the world. 20.1.11 21.1.10 Europ Assistance must approve medical expenses when they are incurred. 21.1.11 The maximum accumulation of any benefits payable in respect of any one accident or series of accidents under the policy shall be limited to N$10 R10 000 000 (10 million Namibian DollarsRand) per travel ticket debited to a valid credit card issued by First National FirstRand Bank of Namibia Limited (which has been specifically nominated by the bankBank). 20.1.12 21.1.12 The benefits of the Travel Policy for children under sixteen (16) years old are limited under the Personal Accident Section of the Travel Policy. 20.1.13 21.1.13 The maximum accumulation of any benefits payable in respect of any one accident or series of accidents under the Personal Accident section shall be limited to N$5 R5 000 000 (5 million Namibian DollarsRand) per valid credit card issued by First National FirstRand Bank of Namibia Limited (which has been specifically nominated by the bankBank). 20.1.14 21.1.14 The benefits are summarised in the table of benefits below these below. These benefits are subject to change on reasonable notice to the Business Client / Client/cardholder.

Benefits Summary. 20.1.1 22.1.1 This is a summary of the terms, conditions and exclusions of the Travel Policy. 20.1.2 Policy.21.12 The Travel Policy is available on our web site, xxx.xxx.xx.xx, or you may contact the Global Travel Helpdesk and they will send the Travel Policy to you. If anything is unclear, please contact the Global Travel Insurance Help Desk on 0861 490 100. 20.1.3 22.1.2 The benefits under the Travel Policy are automatically available when the Business Client / Client/cardholder buys a departure and return public conveyance travel ticket (public conveyance) in Namibia & South Africa using their FNB Business Credit Card.‌ 20.1.4 By Card, by purchasing travel tickets in Namibia & South Africa (or other specified countries as detailed in the Policy) at full fare on the FNB Business Credit Card, prior to the departure). 20.1.5 22.1.3 This offer only applies if the cardholder is a Namibian or resident of South African citizen (or a citizen of other specified countries as detailed in the Policy) under Africa, Botswana, Lesotho, Namibia and/or Swaziland up to and including the age of 76 71 (seventy sixone) years and purchases their departure and return travel tickets in Namibian & South Africa (or other specified countries as detailed in the Policy)) with a valid FNB credit card. Please obtain a copy of the Travel Policy prior to travelling and ensure you fully understand the Policy. 20.1.6 22.1.4 As certain credit card products may be excluded from the benefits under the Travel Policy, the Business Client must contact the Global Travel Helpdesk prior to the purchase of the travel ticket with the card, to find out which products are excluded. 20.1.7 22.1.5 If the cardholder is between 76 71 and 85 years of age, we can offer the cardholder another travel insurance option. You can learn more about our other options by calling our call centre on 0000 000 000. 20.1.8 22.1.6 The benefits under the Travel Policy are available to cardholders up to and including the age of seventy five 70 (75seventy) years. 20.1.9 22.1.7 You qualify for the travel insurance, if you are the cardholder and/or an Immediate Family Member and/or Travel Companion of the cardholder of the FNB credit card. 22.1.8 The maximum number of travellers per cardholder, per journey is 10 (ten). 22.1.9 The benefits under the Travel Policy will be available for the first ninety (90) days of the cardholder’s journey or until the cardholder reaches the final destination set out on his/her travel ticket, whichever occurs first. 20.1.10 International SOS (Pty) Ltd ("International SOS") 22.1.10 Europ Assistance provides emergency assistance while you are travelling overseas. If the cardholder needs assistance they may contact International SOS Europ Assistance on the telephone number supplied by us+00 00 000 0000. The cardholder may "“reverse-charge" ” the call to International SOS Europ Assistance from anywhere in the world. 20.1.11 22.1.11 Europ Assistance must approve medical expenses when they are incurred. 22.1.12 The maximum accumulation of any benefits payable in respect of any one accident or series of accidents under the policy shall be limited to N$10 R10 000 000 (10 million Namibian DollarsRand) per travel ticket debited to a valid credit card issued by First National FirstRand Bank of Namibia Limited (which has been specifically nominated by the bankBank). 20.1.12 22.1.13 The benefits of the Travel Policy for children under sixteen 16 (16sixteen) years old are limited under the Personal Accident Section of the Travel Policy. 20.1.13 22.1.14 The maximum accumulation of any benefits payable in respect of any one accident or series of accidents under the Personal Accident section shall be limited to N$5 R1 000 000 (5 one million Namibian DollarsRand) per valid credit card issued by First National FirstRand Bank of Namibia Limited (which has been specifically nominated by the bankBank). 20.1.14 22.1.15 The benefits are summarised in the table of benefits below these below. These benefits are subject to change on reasonable notice to the Business Client / Client/cardholder.

Benefits Summary. 20.1.1 This is a summary of the terms, conditions and exclusions of the Travel Policy. 20.1.2 The Travel Policy is available on our web site, xxx.xxx.xx.xx, or you may contact the Global Travel Helpdesk and they will send the Travel Policy to you. If anything is unclear, please contact the Global Travel Insurance Help Desk on 0861 490 100. 20.1.3 The benefits under the Travel Policy are automatically available when the Business Client / cardholder buys a travel ticket (public conveyance) in Namibia & South Africa using their FNB Business Credit Card.‌Card. 20.1.4 By purchasing travel tickets in Namibia & South Africa (or other specified countries as detailed in the Policy) at full fare on the FNB Business Credit Card, prior to the departure). 20.1.5 This offer only applies if the cardholder is a Namibian or South African citizen (or a citizen of other specified countries as detailed in the Policy) under the age of 76 (seventy six) years and purchases their travel tickets in Namibian & South Africa (or other specified countries as detailed in the Policy). Please obtain a copy of the Travel Policy prior to travelling and ensure you fully understand the Policy. 20.1.6 As certain credit card products may be excluded from the benefits under the Travel Policy, the Business Client must contact the Global Travel Helpdesk prior to the purchase of the travel ticket with the card, to find out which products are excluded. 20.1.7 If the cardholder is between 76 and 85 years of age, we can offer the cardholder another travel insurance option. 20.1.8 The benefits under the Travel Policy are available to cardholders up to and including the age of seventy five (75) years. 20.1.9 The benefits under the Travel Policy will be available for the first ninety (90) days of the cardholder’s journey or until the cardholder reaches the final destination set out on his/her travel ticket, whichever occurs first. 20.1.10 International SOS (Pty) Ltd ("International SOS") provides emergency assistance while you are travelling overseas. If the cardholder needs assistance they may contact International SOS on the telephone number supplied by us. The cardholder may "reverse-charge" the call to International SOS from anywhere in the world. 20.1.11 The maximum accumulation of any benefits payable in respect of any one accident or series of accidents under the policy shall be limited to N$10 000 000 (10 million Namibian Dollars) per travel ticket debited to a valid credit card issued by First National Bank of Namibia Limited (which has been specifically nominated by the bank). 20.1.12 The benefits of the Travel Policy for children under sixteen (16) years old are limited under the Personal Accident Section of the Travel Policy. 20.1.13 The maximum accumulation of any benefits payable in respect of any one accident or series of accidents under the Personal Accident section shall be limited to N$5 000 000 (5 million Namibian Dollars) per valid credit card issued by First National Bank of Namibia Limited (which has been specifically nominated by the bank). 20.1.14 The benefits are summarised in the table of benefits below these benefits are subject to change on reasonable notice to the Business Client / cardholder.

Benefits Summary. 20.1.1 31.1.1 This is a summary of the terms, conditions and exclusions of the Travel Policy. 20.1.2 31.1.2 You should get a copy of the Travel Policy before your journey. 31.1.3 The Travel Policy is available on our web sitewebsite, xxx.xxx.xx.xxxxx.xxxxxx.xxx, or you may contact the Global Travel Helpdesk and they will send the Travel Policy to you. If anything is unclear, please contact the Global Travel Insurance Help Desk on 0861 490 100. 20.1.3 31.1.4 The benefits under the Travel Policy are automatically available when the Business Client / cardholder buys you buy a travel ticket (public conveyance) in Namibia & South Africa using their FNB Business Credit Card.‌the credit card. 20.1.4 31.1.5 By purchasing return travel tickets in Namibia & South Africa (or other specified countries as detailed in the Policy) at full fare price on the FNB Business your xxxxxx.xxx Credit Card, prior to the departure). 20.1.5 31.1.6 This offer only applies if the cardholder is you are a Namibian or South African citizen (or a citizen of other specified countries as detailed in the Policy) under the age of 76 (seventy six) years and purchases their buy your travel tickets in Namibian & South Africa (or other specified countries as detailed in the Policy). Please obtain a copy of the Travel Policy prior to travelling and ensure you fully understand the Policy. 20.1.6 31.1.7 As certain credit card products may be excluded from the benefits under the Travel Policybenefits, the Business Client you must contact the Global Travel Helpdesk prior to the before you purchase of the your travel ticket with the your card, to find out which products are excluded. 20.1.7 If the cardholder is between 76 and 85 years of age, we can offer the cardholder another travel insurance option. 20.1.8 31.1.8 The benefits under the Travel Policy are available to cardholders up to and including the age of seventy five (75) years. 20.1.9 31.1.9 If you are between 76 and 85, we can offer you another travel insurance option. 31.1.10 The benefits under the Travel Policy will be available for the first ninety (90) days of the cardholder’s your journey or until the cardholder reaches you reach the final destination set out on his/her your travel ticket, whichever occurs first. 20.1.10 31.1.11 International SOS (Pty) Ltd ("International SOS") provides emergency assistance while you are travelling overseas. If the cardholder needs you need assistance they you may contact International SOS on the telephone number supplied by us. The cardholder You may "reverse-reverse- charge" the your call to International SOS from anywhere in the world. 20.1.11 The maximum accumulation of any benefits payable in respect of any one accident or series of accidents under the policy shall be limited to N$10 000 000 (10 million Namibian Dollars) per travel ticket debited to a valid credit card issued by First National Bank of Namibia Limited (which has been specifically nominated by the bank)31.1.12 International SOS must approve medical expenses when they are incurred. 20.1.12 31.1.13 The benefits of the Travel Policy for children under sixteen (16) years old are limited under the Personal Accident Section of the Travel Policy. 20.1.13 31.1.14 The maximum accumulation of any benefits payable in respect of any one accident or series of accidents shall be limited to R10 000 000 (10 million Rand) per travel ticket debited to a valid credit card issued by FirstRand Bank Limited (which has been specifically nominated by the bank. 31.1.15 The maximum accumulation of any benefits payable in respect of any one accident or series of accidents under the Personal Accident section shall be limited to N$5 R5 000 000 (5 million Namibian DollarsRand) per valid credit card issued by First National FirstRand Bank of Namibia Limited (which has been specifically nominated by the bank). 20.1.14 31.1.16 The benefits are summarised in the table of benefits below below, but these benefits are subject to change on reasonable notice to the Business Client / cardholderyou.