Common use of Important Matters Clause in Contracts

Important Matters. You must be informed of any material changes to the information referred to herein. If the information was given orally, it must be confirmed in writing within 30 days. • If any complaint to the Financial Services Provider or the insurer is not resolved to your satisfaction, you may submit the complaint to the Long- Term insurance Ombudsman or the FAIS Ombud. If your premium is paid by means of debit order: o It may only be in favour of one legal entity or person and may not be transferred without your approval; and o The insurer must inform you at least 30 days before the cancellation thereof, in writing, of its intention to cancel cover. • Your insurer must give reasons for the rejection of your claim. • Your insurer may not cancel your insurance merely by informing your Financial Services Provider. There is an obligation to make sure that the notice has been sent to you. You are entitled to a copy of the policy free of charge. • You are entitled to a copy of the voice log of the sale. • Polygraphs or similar tests are not obligatory and claims may not be rejected solely on the basis of a failure of such test. • Should you have any complaints about the availability or adequacy of information required to be provided herein, please bring this to attention on 0861 990 000. • Your policy document contains the name, class and type of policy as well as details of procedures to follow in the event of a claim. Should anything not be clear, please contact The Unlimited on the numbers provided above.

Important Matters. You must be informed of any material changes to the information referred to herein. If the information was given orally, it must be confirmed in writing within 30 days. • If any complaint to the Financial Services Provider or the insurer is not resolved to your satisfaction, you may submit the complaint to the Long- Term insurance Ombudsman or the FAIS Ombud. • If your premium is paid by means of debit order: o It may only be in favour of one legal entity or person and may not be transferred without your approval; and o The insurer must inform you at least 30 days before the cancellation thereof, in writing, of its intention to cancel cover. • Your insurer must give reasons for the rejection of rejecting your claim. • Your insurer may not cancel your insurance merely by informing your Financial Services Provider. There is an obligation to make sure that the notice has been sent to you. You are entitled to a copy of the policy free of charge. • You are entitled to a copy of the voice log of the sale. • Polygraphs or similar tests are not obligatory and claims may not be rejected solely on the basis of a failure of such test. • Should you have any complaints about the availability or adequacy of information required to be provided herein, please bring this to the attention on 0861 990 000. • Your policy document contains the name, class and type of policy policy, special terms and conditions, exclusions, waiting periods as well as details of procedures to follow in the event of a claim. Should anything not be clear, please contact The Unlimited on the numbers provided above.

Important Matters. You must be informed of any material changes to the information referred to herein. If the information herein was given orally, it must be confirmed in writing within 30 days. • If any complaint to the Financial Services Provider or the insurer is not resolved to your satisfaction, you may submit the complaint to the Long- Short- Term insurance nsurance Ombudsman or the FAIS Ombud. • If your premium is paid by means of debit order: o It may only be in favour of one legal entity or person and may not be transferred without your approval; and o The insurer must inform you at least 30 days before the cancellation thereof, in writing, of its intention to cancel cover. • Your insurer must give reasons for the rejection of your claim. • Your insurer may not cancel your insurance merely by informing your Financial Services Provider. There is an obligation to make sure that the notice has been sent to you. You are entitled to a copy of the policy free of charge. • You are entitled to a copy of the voice log of the sale. • Polygraphs or similar tests are not obligatory and claims may not be rejected solely on the basis of a failure of such test. • Should you have any complaints about the availability or adequacy of information required to be provided herein, please bring this to the attention on 0861 990 000087 357 7777. • Your policy document contains the name, class and type of policy as well as details of procedures to follow in the event of a claim. Should anything not be clear, please contact The Unlimited on the numbers provided above.

Important Matters. You must be informed of any material changes to the information referred to herein. If the information herein was given orally, it must be confirmed in writing within 30 days. • If any complaint to the Financial Services Provider or the insurer is not resolved to your satisfaction, you may submit the complaint to the Long- Term Short-term insurance Ombudsman or the FAIS Ombud. • If your premium is paid by means of debit order: o It may only be in favour of one legal entity or person and may not be transferred without your approval; and o The insurer must inform you at least 30 days before the cancellation thereof, in writing, of its intention to cancel cover. • Your insurer must give reasons for the rejection of your claim. • Your insurer may not cancel your insurance merely by informing your Financial Services Provider. There is an obligation to make sure that the notice has been sent to you. You are entitled to a copy of the policy free of charge. • You are entitled to a copy of the voice log of the sale. • Polygraphs or similar tests are not obligatory and claims may not be rejected solely on the basis of a failure of such test. • Should you have any complaints about the availability or adequacy of information required to be provided herein, please bring this to our attention on 0861 990 000. • Your policy document contains the name, class and type of policy as well as details of procedures to follow in the event of a claim. Should anything not be clear, please contact The Unlimited on the numbers provided above. Warning: • Do not sign any blank or partially completed application form. • Complete all forms in ink. • Keep all documents you receive. • Make a note of what was said to you. • Don’t be pressurised to buy the product. • Incorrect or non-disclosure by you of material facts may have a negative impact on the assessment of a claim arising from your contract of insurance. Waiver of rights: No financial services provider may request or induce in any manner a client to waiver any right or benefit conferred on the client by or in terms of any provisions of the General Code of Conduct, or recognise, accept or act on any such waiver by a client. Any such waiver is null and void. Sharing of information: Insurers share information with each other regarding policies and claims. This is done in the public interest and in the interest of all current and potential policyholders. The sharing of information includes, but is not limited to information sharing via the Information Data Sharing System operated by TransUnion ITC on behalf of the South African Insurance Association. By the insurer accepting or renewing this insurance, you or any other person that is represented herein, gives consent to the said information being disclosed to any other insurance company or its agent. You also similarly give consent to the sharing of information in regards to past insurance policies and claims that you have made. You also acknowledge that information provided by yourself or your representative may be verified against any legally recognised sources or databases. By insuring or renewing your insurance you hereby not only consent to such information sharing, but also waive any rights of confidentiality with regards to underwriting or claims information that you have provided or that has been provided by another person on your behalf. In the event of a claim, the information you have supplied with your application together with the information you supply in relation to the claim, will be included on the system and made available to other insurers participating in the Information Data Sharing System. You must be provided with a copy of your policy document. Should you be dissatisfied with any aspect of your insurance contract you may state your case to the Compliance department of the FSP or the Compliance department of the Insurer. If you do not receive a satisfactory Response, you may make a complaint to the office of the Short-term Insurance Ombudsman which can be contacted as follows: Ombudsman for Short-term Insurance FAIS Ombudsman Physical Address: Sunnyside Office Park 5th Floor Building D, 00 Xxxxxxxx xx Xxxxx Xxxxxxx, Xxxxxxxx Postal address: Financial Services Board P O Box 74571, Xxxxxxx Xxxxx 0040 Telephone number: 0860 OMBUDS (0860 662 837) Email: xxxx@xxxx.xx.xx Telephone number: 000 000 0000 Facsimile number: 012 348 3447 The Ombudsman is available to advise you in the event of claims problems which are not resolved satisfactorily by the Intermediary and Insurer. If any complaint with regard to advice given or intermediary services rendered to you was not resolved to your satisfaction, you can contact the above.

Important Matters. You must be informed of any material changes to the information referred to herein. If the information was given orally, it must be confirmed in writing within 30 days. • If any complaint to the Financial Services Provider or the insurer is not resolved to your satisfaction, you may submit the complaint to the Long- Term Long-term insurance Ombudsman or the FAIS Ombud. • If your premium is paid by means of debit order: o It may only be in favour of one legal entity or person and may not be transferred without your approval; and o The insurer must inform you at least 30 days before the cancellation thereof, in writing, of its intention to cancel cover. • Your insurer must give reasons for the rejection of your claim. • Your insurer may not cancel your insurance merely by informing your Financial Services Provider. There is an obligation to make sure that the notice has been sent to you. You are entitled to a copy of the policy free of charge. • You are entitled to a copy of the voice log of the sale. • Polygraphs or similar tests are not obligatory and claims may not be rejected solely on the basis of a failure of such test. • Should you have any complaints about the availability or adequacy of information required to be provided herein, please bring this to attention on 0861 990 000. • Your policy document contains the name, class and type of policy as well as details of procedures to follow in the event of a claim. Should anything not be clear, please contact The Unlimited on the numbers provided above.

Important Matters. You must be informed of any material changes to the information referred to herein. If the information herein was given orally, it must be confirmed in writing within 30 days. • If any complaint to the Financial Services Provider or the insurer is not resolved to your satisfaction, you may submit the complaint to the Long- Short-Term insurance Insurance Ombudsman or the FAIS Ombud. • If your premium is paid by means of debit order: o It may only be in favour of one legal entity or person and may not be transferred without your approval; and o The insurer must inform you at least 30 days before the cancellation thereof, in writing, of its intention to cancel cover. • Your insurer must give reasons for the rejection of rejecting your claim. • Your insurer may not cancel your insurance merely by informing your Financial Services Provider. There is an obligation to make sure that the notice has been sent to you. You are entitled to a copy of the policy free of charge. • You are entitled to a copy of the voice log of the sale. • Polygraphs or similar tests are not obligatory and claims may not be rejected solely on the basis of a failure of such test. • Should you have any complaints about the availability or adequacy of information required to be provided herein, please bring this to the attention on 0861 990 000087 357 7777. • Your policy document contains the name, class and type of policy as well as details of procedures to follow in the event of a claim. Should anything not be clear, please contact The Unlimited on the numbers provided above.

Important Matters. You must be informed of any material changes to the information referred to herein. If the information herein was given orally, it must be confirmed in writing within 30 days. • If any complaint to the Financial Services Provider or the insurer is not resolved to your satisfaction, you may submit the complaint to the Long- Term Short-term insurance Ombudsman or the FAIS Ombud. • If your premium is paid by means of debit order: o It may only be in favour of one legal entity or person and may not be transferred without your approval; and o The insurer must inform you at least 30 days before the cancellation thereof, in writing, of its intention to cancel cover. • Your insurer must give reasons for the rejection of rejecting your claim. • Your insurer may not cancel your insurance merely by informing your Financial Services Provider. There is an obligation to make sure that the notice has been sent to you. You are entitled to a copy of the policy free of charge. • You are entitled to a copy of the voice log of the sale. • Polygraphs or similar tests are not obligatory and claims may not be rejected solely on the basis of a failure of such test. • Should you have any complaints about the availability or adequacy of information required to be provided herein, please bring this to the attention on 0861 990 000. • Your policy document contains the name, class and type of policy as well as details of procedures to follow in the event of a claim. Should anything not be clear, please contact The Unlimited on the numbers provided above.

Important Matters. You must be informed of any material changes to the information referred to herein. If the information was given orally, it must be confirmed in writing within 30 days. • If any complaint to the Financial Services Provider or the insurer is not resolved to your satisfaction, you may submit the complaint to the Long- Term insurance Long-term Insurance Ombudsman or the FAIS Ombud. • If your premium is paid by means of debit order: o It may only be in favour of one legal entity or person and may not be transferred without your approval; and o The insurer must inform you at least 30 days before the cancellation thereof, in writing, of its intention to cancel cover. • Your insurer must give reasons for the rejection of rejecting your claim. • Your insurer may not cancel your insurance merely by informing your Financial Services Provider. There is an obligation to make sure that the notice has been sent to you. You are entitled to a copy of the policy Policy free of charge. • You are entitled to a copy of the voice log of the sale. • Polygraphs or similar tests are not obligatory and claims may not be rejected solely on the basis of a failure of such test. • Should you have any complaints about the availability or adequacy of information required to be provided herein, please bring this to our attention on 0861 990 000. • Your policy Policy document contains the name, class and type of policy Policy, special terms and conditions, exclusions, waiting periods as well as details of procedures to follow in the event of a claim. Should anything not be clear, please contact The Unlimited on the numbers provided above.