Common use of Other Travel Policy exclusions Clause in Contracts

Other Travel Policy exclusions. 39.3.1 If the cardholder travels in a public conveyance as a non-fare paying passenger. 39.3.2 If the cardholder’s journey is for emigration purposes. 39.3.3 If the cardholder’s loss, damage, death, injury, illness, disablement or expense is caused by: • Participation in professional sports or as a national representative in competitive sporting activities; • Participation in dangerous activities, hobbies, interests or sports as set out in the Travel • Policy; Xxxxxx exposure to or active participation in war, invasion, act of foreign enemy, hostilities (whether war be declared or not), acts of terrorism, civil war, rebellion, revolution, uprising, military or usurped power, civil commotion or riot. 39.3.4 Claims for treatment by homeopaths, naturopaths, reflexologists, or any other alternative medicine. 39.3.5 If the cardholder incurs expenses for travelling abroad to seek medical treatment. 39.3.6 If the cardholder incurs medical expenses after completion of his/her journey. 39.3.7 No consequential loss cover is available under the Travel Policy. Emergency Medical & Related Expenses — Local R 175 000 R 1 000 Emergency Medical & Related Expenses — International R 5 000 000 R 2 000 War and Terrorism Included in Emergency Medical Expenses Medical Transportation, Repatriation and Evacuation Included in Emergency Medical Expenses Compassionate Emergency Visit Included in Emergency Medical Expenses Repatriation of Children Included in Emergency Medical Expenses Repatriation of Travel Companion Included in Emergency Medical Expenses Burial, Cremation and Return of Mortal Remains Included in Emergency Medical Expenses Daily Hospital Cash Benefit R 200 per day / Maximum R 3 000 Pre-Existing In-hospital Medical Expense R 100 000 48 Hours Medical Transportation, Repatriation and Evacuation Included in Emergency Medical Expenses Compassionate Emergency Visit Included in Emergency Medical Expenses Repatriation of Children Included in Emergency Medical Expenses Repatriation of Travel Companion Included in Emergency Medical Expenses Burial, Cremation and Return of Mortal Remains Included in Emergency Medical Expenses Medical Referral Included Medical Monitoring Included Emergency Medicine Included Evacuation, Repatriation, Return of Mortal Remains Included Transmission of Urgent Messages Included Embassy Referral Included Emergency Travel & Accommodation Arrangements Included Legal Assistance Included Loss of Travel Documents Included Accidental Death R 100 000 Nil Accidental Permanent Disablement R 400 000 Nil War and Terrorism Included in Accidental Death & Permanent Disablement Journey Cancellation R 10 000 R 500 Journey Curtailment R 7 000 R 500 Journey Extension R 1 000 R 500 Travel Delay R 1 500 6 Hours Personal Liability R 1 000 000 Nil Legal Expenses R 5 000 Nil Hijack and Hostage or Wrongful Detention R 500 per day / Max R 10 000 Nil Luggage Contents (Single Item Limit) R 2 500 (R 625) R 500 Cash and Documents R 1 000 R 350 Luggage Delay R 1 500 6 Hours The above table is merely a summary of some of the main features of the Travel Policy. It is your responsibility to obtain a copy of the full Travel Policy prior to commencing your journey. The terms, conditions and exclusions of the Policy are available at or you may contact the Global Travel Insurance Helpdesk on 0861 490 100, and they will arrange for the policy to be sent to you. For medical emergencies contact the Europ Assistance Alarm Centre on +00 (0) 00 000 0000. Access channel means any form of access technology including the Internet or mobile phone technologies or Interactive Voice means Response (IVR) system. Additional cardholder means any person authorised by you to be issued an additional credit card under your responsibility. Additional account means any credit card account opened by us in the additional cardholders name for which the Primary cardholder is responsible. Agreement means the pre- agreement statement, accompanying quotation and terms and conditions of use, as amended time to time in accordance with the provisions of the NCA, together with your application form (signed by you and/or any additional card holder), or the application information supplied to us telephonically or by fax and from the kulula moolah rewards programme (if applicable), as well as the value-add services terms and from conditions, form the whole agreement between you and us. Authentication means the process of authorising a debit order mandate by the consumer using an authentication method that has been endorsed by the consumer’s Bank.

Other Travel Policy exclusions. 39.3.1 33.3.1 If the cardholder travels in a public conveyance as a non-fare paying passenger. 39.3.2 33.3.2 If the cardholder’s journey is for emigration purposes.. • 39.3.3 33.3.3 If the cardholder’s loss, damage, death, injury, illness, disablement or expense is caused by: • Participation in professional sports or as a national representative in competitive sporting activities; • Participation in dangerous activities, hobbies, interests or sports as set out in the Travel • Policy; Xxxxxx exposure to or active participation in war, invasion, act of foreign enemy, hostilities (whether war be declared or not), acts of terrorism, civil war, rebellion, revolution, uprising, military or usurped power, civil commotion or riot. 39.3.4 33.3.4 Claims for treatment by homeopaths, naturopaths, reflexologists, or any other alternative medicine. 39.3.5 33.3.5 If the cardholder incurs expenses for travelling abroad to seek medical treatment. 39.3.6 33.3.6 If the cardholder incurs medical expenses after completion of his/her journey. 39.3.7 33.3.7 No consequential loss cover is available under the Travel Policy. Emergency Medical & Related Expenses — Local R 175 000 R 1 000 Emergency Medical & Related Expenses — International R 5 000 000 R 2 000 War and Terrorism Included in Emergency Medical Expenses Medical Transportation, Repatriation and Evacuation Included in Emergency Medical Expenses Compassionate Emergency Visit Included in Emergency Medical Expenses Repatriation of Children Included in Emergency Medical Expenses Repatriation of Travel Companion Included in Emergency Medical Expenses Burial, Cremation and Return of Mortal Remains Included in Emergency Medical Expenses Daily Hospital Cash Benefit R 200 per day / Maximum R 3 000 Pre-Existing In-hospital Medical Expense R 100 500 000 48 Hours Medical Transportation, Repatriation and Evacuation Included in Emergency Medical Expenses Compassionate Emergency Visit Included in Emergency Medical Expenses Repatriation of Children Included in Emergency Medical Expenses Repatriation of Travel Companion Included in Emergency Medical Expenses Burial, Cremation and Return of Mortal Remains Included in Emergency Medical Expenses Medical Referral Included Medical Monitoring Included Emergency Medicine Included Evacuation, Repatriation, Return of Mortal Remains Included Transmission of Urgent Messages Included Embassy Referral Included Emergency Travel & Accommodation Arrangements Included Legal Assistance Included Loss of Travel Documents Included Accidental Death R 100 000 Nil Accidental Permanent Disablement R 400 000 Nil War and Terrorism Included in Accidental Death & Permanent Disablement Journey Cancellation R 10 000 R 500 Journey Curtailment R 7 10 000 R 500 Journey Extension R 1 10 000 R 500 Travel Delay R 1 500 6 Hours Personal Liability R 1 000 000 Nil Legal Expenses R 5 000 Nil Hijack and Hostage or Wrongful Detention R 500 per day / Max R 10 000 Nil Luggage Contents (Single Item Limit) R 2 500 (R 625) R 500 Cash and Documents R 1 000 R 350 Luggage Delay R 1 500 6 Hours The above table is merely a summary * Benefits offered for International travel only. ** This Schedule of some of the main features of the Travel Policy. It is your responsibility to obtain a copy of the full Travel Policy prior to commencing your journey. The terms, conditions and exclusions of Benefits should be read together with the Policy are available at or you may contact the Global Travel Insurance Helpdesk on 0861 490 100, and they will arrange for the policy to be sent to you. For medical emergencies contact the Europ Assistance Alarm Centre on +00 (0) 00 000 0000Wording as one document. Access channel means any form of access technology including the Internet or mobile phone technologies or Interactive Voice means Response (IVR) system. Additional cardholder means any person authorised by you to be issued an additional credit card under your responsibility. Additional account means any credit card account opened by us in the additional cardholders name for which the Primary cardholder is responsible. Agreement ATM means an Automated Teller Machine. Attorney and client scale means the pre- agreement statementfees and expenses which a client is liable to pay an attorney for services rendered in respect of a legal matter. The bank means FirstRand Bank Limited, accompanying quotation and terms and conditions of usea registered bank, as amended time registration number 1929/001225/06. The bank card means a Visa credit card or Visa Electron credit card that we issue to time in accordance with the provisions of the NCA, together with your application form (signed by you and/or any additional card holder), or the application information supplied to us telephonically or by fax and from the kulula moolah rewards programme (if applicable), as well as the value-add services terms and from conditions, form the whole agreement between you and usyou. Authentication Cardholder,you,your,I means the process of authorising a debit order mandate by card holder to whom we have issued the consumer using an authentication method that has been endorsed by the consumer’s Bankcredit card. Channels online banking, ATM banking.

Other Travel Policy exclusions. 39.3.1 33.3.1 If the cardholder travels in a public conveyance as a non-fare paying passenger. 39.3.2 33.3.2 If the cardholder’s journey is for emigration purposes.. • • 39.3.3 33.3.3 If the cardholder’s loss, damage, death, injury, illness, disablement or expense is caused by: • Participation in professional sports or as a national representative in competitive sporting activities; • Participation in dangerous activities, hobbies, interests or sports as set out in the Travel • Policy; Xxxxxx exposure to or active participation in war, invasion, act of foreign enemy, hostilities (whether war be declared or not), acts of terrorism, civil war, rebellion, revolution, uprising, military or usurped power, civil commotion or riot. 39.3.4 33.3.4 Claims for treatment by homeopaths, naturopaths, reflexologists, or any other alternative medicine. 39.3.5 33.3.5 If the cardholder incurs expenses for travelling abroad to seek medical treatmentmedicaltreatment. 39.3.6 33.3.6 If the cardholder incurs medical expenses after completion of his/her journey. 39.3.7 33.3.7 No consequential loss cover is available under the Travel Policy. Emergency Medical & Related Expenses — Local R 175 000 R 1 000 Emergency Medical & Related Expenses — International R 5 000 000 R 2 000 War and Terrorism Included in Emergency Medical Expenses Medical Transportation, Repatriation and Evacuation Included in Emergency Medical Expenses Compassionate Emergency Visit Included in Emergency Medical Expenses Repatriation of Children Included in Emergency Medical Expenses Repatriation of Travel Companion Included in Emergency Medical Expenses Burial, Cremation and Return of Mortal Remains Included in Emergency Medical Expenses Daily Hospital Cash Benefit R 200 per day / Maximum R 3 000 Pre-Existing In-hospital Medical Expense R 100 500 000 48 Hours Medical Transportation, Repatriation and Evacuation Included in Emergency Medical Expenses Compassionate Emergency Visit Included in Emergency Medical Expenses Repatriation of Children Included in Emergency Medical Expenses Repatriation of Travel Companion Included in Emergency Medical Expenses Burial, Cremation and Return of Mortal Remains Included in Emergency Medical Expenses Medical Referral Included Medical Monitoring Included Emergency Medicine Included Evacuation, Repatriation, Return of Mortal Remains Included Transmission of Urgent Messages Included Embassy Referral Included Emergency Travel & Accommodation Arrangements Included Legal Assistance Included Loss of Travel Documents Included Accidental Death R 100 000 Nil Accidental Permanent Disablement R 400 000 Nil War and Terrorism Included in Accidental Death & Permanent Disablement Journey Cancellation R 10 000 R 500 Journey Curtailment R 7 10 000 R 500 Journey Extension R 1 10 000 R 500 Travel Delay R 1 500 6 Hours Personal Liability R 1 000 000 Nil Legal Expenses R 5 000 Nil Hijack and Hostage or Wrongful Detention R 500 per day / Max R 10 000 Nil Luggage Contents (Single Item Limit) R 2 500 (R 625) R 500 Cash and Documents R 1 000 R 350 Luggage Delay R 1 500 6 Hours The above table is merely a summary * Benefits offered for International travel only. ** This Schedule of some of the main features of the Travel Policy. It is your responsibility to obtain a copy of the full Travel Policy prior to commencing your journey. The terms, conditions and exclusions of Benefits should be read together with the Policy are available at or you may contact the Global Travel Insurance Helpdesk on 0861 490 100, and they will arrange for the policy to be sent to you. For medical emergencies contact the Europ Assistance Alarm Centre on +00 (0) 00 000 0000Wording as one document. Access channel means any form of access technology including the Internet or mobile phone technologies or Interactive Voice means Response (IVR) system. Additional cardholder means any person authorised by you to be issued an additional credit card under your responsibility. Additional account means any credit card account opened by us in the additional cardholders name for which the Primary cardholder is responsible. Agreement ATM means an Automated Teller Machine. Attorney and client scale means the pre- agreement statementfees and expenses which a client is liable to pay an attorney for services rendered in respect of a legal matter. The bank means FirstRand Bank Limited, accompanying quotation and terms and conditions of usea registered bank, as amended time registration number 1929/001225/06. The bank card means a Visa credit card or Visa Electron credit card that we issue to time in accordance with the provisions of the NCA, together with your application form (signed by you and/or any additional card holder), or the application information supplied to us telephonically or by fax and from the kulula moolah rewards programme (if applicable), as well as the value-add services terms and from conditions, form the whole agreement between you and usyou. Authentication Cardholder,you,your,I means the process card holder to whom we have issued the credit card. Channels online banking, ATM banking. Chip means the integrated circuit that is embedded in a plastic card and which is designed to perform processing and/or memory functions. Chip & PIN means a plastic card, commonly called a chip card, with an embedded chip that communicates information to a point of authorising sale terminal and/or other electronic devices. Credit card means the relevant magnetic-stripe and/or chip & PIN Visa Credit Card, Visa Electron Credit Card or Petro Card that we issue to you used as an access mechanism to access your credit card account and/or your Credit Facility. Credit Card Account means a debit order mandate financial Services Product as defined in the Financial Advisory and Intermediary Services Act capable of taking deposits and allowing you to transact and includes the credit card account opened by us in your name or in the consumer using an authentication method that has been endorsed by the consumeradditional cardholder’s Bankor additional accountholder’s name.

Other Travel Policy exclusions. 39.3.1 38.3.1 If the cardholder travels in a public conveyance as a non-fare paying passenger. 39.3.2 38.3.2 If the cardholder’s journey is for emigration purposes.. • • 39.3.3 38.3.3 If the cardholder’s loss, damage, death, injury, illness, disablement or expense is caused by: • Participation in professional sports or as a national representative in competitive sporting activities; • Participation in dangerous activities, hobbies, interests or sports as set out in the Travel • Policy; Xxxxxx exposure to or active participation in war, invasion, act of foreign enemy, hostilities (whether war be declared or not), acts of terrorism, civil war, rebellion, revolution, uprising, military or usurped power, civil commotion or riot. 39.3.4 38.3.4 Claims for treatment by homeopaths, naturopaths, reflexologists, or any other alternative medicine. 39.3.5 38.3.5 If the cardholder incurs expenses for travelling abroad to seek medical treatment. 39.3.6 38.3.6 If the cardholder incurs medical expenses after completion of his/her journey. 39.3.7 38.3.7 No consequential loss cover is available under the Travel Policy. Emergency Medical & Related Expenses — Local R 175 000 R 1 000 Emergency Medical & Related Expenses — International R 5 000 000 R 2 000 War and Terrorism Included in Emergency Medical Expenses Medical Transportation, Repatriation and Evacuation Included in Emergency Medical Expenses Compassionate Emergency Visit Included in Emergency Medical Expenses Repatriation of Children Included in Emergency Medical Expenses Repatriation of Travel Companion Included in Emergency Medical Expenses Burial, Cremation and Return of Mortal Remains Included in Emergency Medical Expenses Daily Hospital Cash Benefit R 200 per day / Maximum R 3 000 Pre-Existing In-hospital Medical Expense R 100 500 000 48 Hours Medical Transportation, Repatriation and Evacuation Included in Emergency Medical Expenses Compassionate Emergency Visit Included in Emergency Medical Expenses Repatriation of Children Included in Emergency Medical Expenses Repatriation of Travel Companion Included in Emergency Medical Expenses Burial, Cremation and Return of Mortal Remains Included in Emergency Medical Expenses Medical Referral Included Medical Monitoring Included Emergency Medicine Included Evacuation, Repatriation, Return of Mortal Remains Included Transmission of Urgent Messages Included Embassy Referral Included Emergency Travel & Accommodation Arrangements Included Legal Assistance Included Loss of Travel Documents Included Accidental Death R 100 000 Nil Accidental Permanent Disablement R 400 000 Nil War and Terrorism Included in Accidental Death & Permanent Disablement Journey Cancellation R 10 000 R 500 Journey Curtailment R 7 10 000 R 500 Journey Extension R 1 10 000 R 500 Travel Delay R 1 500 6 Hours Personal Liability R 1 000 000 Nil Legal Expenses R 5 000 Nil Hijack and Hostage or Wrongful Detention R 500 per day / Max R 10 000 Nil Luggage Contents (Single Item Limit) R 2 500 (R 625) R 500 Cash and Documents R 1 000 R 350 Luggage Delay R 1 500 6 Hours The above table is merely a summary * Benefits offered for International travel only. ** This Schedule of some of the main features of the Travel Policy. It is your responsibility to obtain a copy of the full Travel Policy prior to commencing your journey. The terms, conditions and exclusions of Benefits should be read together with the Policy are available at or you may contact the Global Travel Insurance Helpdesk on 0861 490 100, and they will arrange for the policy to be sent to you. For medical emergencies contact the Europ Assistance Alarm Centre on +00 (0) 00 000 0000Wording as one document. Access channel means any form of access technology including the Internet or mobile phone technologies or Interactive Voice means Response (IVR) system. Additional cardholder means any person authorised by you to be issued an additional credit card under your responsibility. Additional account means any credit card account opened by us in the additional cardholders name for which the Primary cardholder is responsible. Agreement means the pre- agreement statement, accompanying quotation and terms and conditions of use, as amended time to time in accordance with the provisions of the NCA, together with your application form (signed by you and/or any additional card holder), or the application information supplied to us telephonically or by fax and from the kulula moolah rewards programme (if applicable), as well as the value-add services terms and from conditions, form the whole agreement between you and us. Authentication means the process of authorising a debit order mandate by the consumer using an authentication method that has been endorsed by the consumer’s Bank.