F2014 RISK ASSURANCE BENEFIT RANGE Retail Mass Market Broker Distribution February 2014

F2014 RISK ASSURANCE BENEFIT RANGE RISK ASSURANCE BENEFIT RANGE A comprehensive range of Risk Assurance Benefits, which offers the client best-of- breed product features, value-for-money and financial peace of mind for life’s eventualities Financial Portfolio Protection of Family & EstateWealth Creation Funeral Plan RangeLife Plan Range Value+ PlanStandard PlanADDPPure Life PlanLife & Disability Plan 1

VALUE+ FUNERAL PLAN RANGE A dignified farewell for you and your loved ones

F2014 RISK ASSURANCE BENEFIT RANGE THE VALUE+ FUNERAL PLAN RANGE Individual Funeral Plan Family Funeral Plan Parents Funeral Plan (maximum of four parents) Extended Family Funeral Plan (maximum of eight relatives) 3

F2014 RISK ASSURANCE BENEFIT RANGE PRODUCT FEATURES AND BENEFITS Minimum Premium:R70.00 per month Maximum Cover:R (Individual, Family Funeral Plans) R (Parents and Extended Funeral Plans) where the lives covered are additional spouse, son/daughter-in-law and own child) R (Extended Funeral Plan - other relatives) Premium Paying Term:Whole of life – until death, disablement Benefit Increases:The Benefit increases will always be greater than the premium increase, in other words, cover gets cheaper over time Premium Increases:Annually increasing premium at compound rate of 7.0%. Current rate but is subject to change in the future Maximum Entry Ages:Policyholder: age 64 lbd Other Lives: age 84 lbd Waiting Periods:No waiting period applies for accidental death or disablement. 6 months for non- accidental causes and 12 months for non-accidental causes of disablement Money Back Guarantee: If non-accidental death occurs in the first 6 months, a benefit equal to the amount of the monthly premiums received will be paid Premium Holiday Benefit: The Premium Holiday allows for up to six premiums to be skipped, during the term of the policy. This benefit is available again to the client, on payment of the skipped premiums Cash Back Benefit: Cash back of 5 months premiums’ after every 60 premiums paid 4

F2014 RISK ASSURANCE BENEFIT RANGE PRODUCT FEATURES AND BENEFITS Double Accidental Death Cover: On accidental death, double the amount of cover is paid out, even if policy is in a paid-up status Death or Disablement: Full paid-up Benefit at any time during the policy term, after 12 (policyholder) months. A reduced Paid-up Benefit is available if monthly premiums stop after 10 years. Terminal Illness Benefit: Provides for an accelerated lump-sum payment (50% of the cover at that time) – even if policy is paid-up, after 10 years Medical Underwriting:No automatic medical testing. Health questions apply. Surrenders & Withdrawals:Funeral plans do not acquire surrender values and no part withdrawals are possible Effective Date for Increases:Both premium and cover increases are effective on the 1st July each year (subject to policy being in force for at least 6 months). Cessions:Funeral plans may not be ceded as security Funeral Support Benefit:Transport of the deceased by road or air from anywhere in the world to a funeral home closest to the burial 5

F2014 RISK ASSURANCE BENEFIT RANGE Access to the following Family Support Services* from independent service providers: 24 HOUR FAMILY SUPPORT SERVICES Health support*:Telephone access to health advisers for assistance with health queries. Trauma, assault and HIV treatment*:Assistance and treatment following assault (e.g. rape, hijacking, child abuse), accidental exposure to HIV or other kinds of trauma. Emergency medical response*:Advice, emergency treatment and transportation to an appropriate medical facility. Legal support*:Free telephone advice and assistance on legal matters, help with legal documents. Important note: *Family Support Services - Certain terms and conditions apply to the facilitation of this access. For a copy of these, call Old Mutual facilitates access to independent Family Support Service providers. Such access is not offered as a benefit under your insurance policy and may be varied or cancelled at any time. The service providers provide services directly to you on terms agreed between you and the service providers. Old Mutual does not accept any liability arising from the services rendered by the service providers. 6

F2014 RISK ASSURANCE BENEFIT RANGE Full Paid-up Benefit after 12 months VALUE+ FUNERAL PLAN RANGE 6 month5 years10 years15 years R5 k R7.5 k R10 k R15 k R20 k R25 k R30 k Cover gets cheaper over time Money-back Guarantee in waiting period Double Accidental Death Benefit Cash-back of 5 months premiums after every 60 premiums Reduced paid-up benefit even if premiums cease after 10 years Terminal Illness Benefit provides for accelerated lump-sum payment 6 premium skips at any time Waiting period 6 months for non-accidental death 7

STANDARD FUNERAL PLAN RANGE An affordable funeral plan for you and your loved ones

F2014 RISK ASSURANCE BENEFIT RANGE THE VALUE+ FUNERAL PLAN RANGE Individual Funeral Plan Family Funeral Plan Parents Funeral Plan (maximum of four parents) Extended Family Funeral Plan (maximum of eight relatives) 9

F2014 RISK ASSURANCE BENEFIT RANGE PRODUCT FEATURES AND BENEFITS Minimum Premium:R50.00 per month Maximum Cover:R (Individual, Family, Parents Funeral Plans) R (Extended Funeral Plan) R (for add. spouse, son/daughter-in-law and own child) Premium Paying Term:Whole of life – until death Benefit Increases:Annually increasing at 5.0%, but can vary. The cover increase will be equal to the premium increase Premium Increases:Annually increasing premium at compound rate of 5.0% Maximum Entry Ages:Policyholder: age 65 lbd Other Lives: age 84 lbd Waiting Periods:No waiting period applies for accidental death. 6 months for non-accidental causes Money Back Guarantee: If non-accidental death occurs in the first 6 months, a Benefit equal to the amount of the monthly premiums received will be paid Premium Holiday Benefit: The Premium Holiday allows for up to six premiums to be skipped, during the term of the policy. This benefit is available again to the client, on payment of the skipped premiums 10

F2014 RISK ASSURANCE BENEFIT RANGE PRODUCT FEATURES AND BENEFITS Cash Back Benefit: Cash back of 3 months’ premiums after every 60 premiums paid Medical Underwriting:No automatic medical testing. Health questions apply Surrenders & Withdrawals:Funeral plans do not acquire surrender values and no part withdrawals are possible Effective Date for Increases:Both premium and cover increases are effective on the 1st July each year (Subject to policy being in force for at least 6 months) Cessions:Funeral plans may not be ceded as security Funeral Support Benefit:Transport of the deceased by road or air from anywhere in the world to a funeral home closest to the burial 11

F2014 RISK ASSURANCE BENEFIT RANGE Access to the following Family Support Services* from independent service providers: 24 HOUR FAMILY SUPPORT SERVICES Health support*:Telephone access to health advisers for assistance with health queries. Trauma, assault and HIV treatment*:Assistance and treatment following assault (e.g. rape, hijacking, child abuse), accidental exposure to HIV or other kinds of trauma. Emergency medical response*:Advice, emergency treatment and transportation to an appropriate medical facility. Legal support*:Free telephone advice and assistance on legal matters, help with legal documents. Important note: *Family Support Services - Certain terms and conditions apply to the facilitation of this access. For a copy of these, call Old Mutual facilitates access to independent Family Support Service providers. Such access is not offered as a benefit under your insurance policy and may be varied or cancelled at any time. The service providers provide services directly to you on terms agreed between you and the service providers. Old Mutual does not accept any liability arising from the services rendered by the service providers. 12

F2014 RISK ASSURANCE BENEFIT RANGE VALUE+ FUNERAL PLAN RANGE 6 month5 years10 years15 years R5 k R7.5 k R10 k R15 k R20 k R25 k R30 k Annually increasing at 5%, but can vary Money-back Guarantee in waiting period Cash-back of 3 months premiums after every 60 premiums 6 premium skips at any time Waiting period 6 months for non-accidental death 13

LIFE PLAN RANGE Financial Security for your family

F2014 RISK ASSURANCE BENEFIT RANGE THE LIFE PLAN RANGE Pure Life Plan To provide your family with money and help them cope financially should you die. Life and Disability Plan To help you financially should you become disabled or to provide your family with money on your death. 15

F2014 RISK ASSURANCE BENEFIT RANGE PURE LIFE PLAN - PRODUCT FEATURES AND BENEFITS Minimum Cover:R Maximum Cover:R Maximum Entry Age:60 lbd Plan Type:Whole life Cover Increases:Cover increases annually at 5% Premium Increases:Premiums increase annually, initially targeting 5% (not guaranteed) Lives Covered:Cover for the policyholder only, who also needs to be the premium payer. A spouse may pay the premiums on the policyholder’s life HIV+ diagnosed individuals qualify for cover Waiting Periods:Immediate accidental death Benefit Staggered non-accidental death over 12 months months: Benefit equal to premiums received months: 50% of cover amount 12+ months:100% cover amount 16

F2014 RISK ASSURANCE BENEFIT RANGE Income Assistance Benefit:10% of Benefit paid in 48 hours, subject to waiting period Funeral Support Benefit:Transport of the deceased by road or air from anywhere in the world to a funeral home closest to the place of burial Medical Underwriting:No medical testing. Standard health questions apply Cover Ceases:When premiums cease or on death Money Back Guarantee:Equal to the total premiums paid, if non-accidental death occurs within the first 6 months Premium Holiday Benefit:Allows for up to six premiums to be skipped during the term of the policy. This benefit is available again to the client, on payment of the skipped premiums Terminal Illness Benefit:On diagnosis of Terminal Illness, 50% of cover paid out immediately, remainder paid on death (available after 5 years) PURE LIFE PLAN - PRODUCT FEATURES AND BENEFITS 17

F2014 RISK ASSURANCE BENEFIT RANGE PURE LIFE PLAN R50 k R100 k R150 k R200 k R300 k R400 k 6 premium skips at any time 6 mnths5 years10 years15 years R500k 24 mnths Staggered Waiting Period Up to R Life Cover Immediate Accidental Death Benefit On diagnosis of Terminal Illness, 50% of cover paid out immediately, remainder paid on death Money-back Guarantee in first 6 months 18

F2014 RISK ASSURANCE BENEFIT RANGE LIFE & DISABILITY PLAN - PRODUCT FEATURES AND BENEFITS Minimum Cover:R Maximum Cover:R Plan Type:Whole life Cover Increases:Cover increases annually at 5% Premium Increases:Premiums increase annually, initially targeting 5% (not guaranteed) Maximum Entry Age:60 lbd Lives Covered:Policyholder only Waiting Periods:Immediate accidental death/disability Benefit Staggered non-accidental death/disability over 12 months months: Benefit equal to premiums received months: 50% of cover amount 12+ months:100% cover amount 19

F2014 RISK ASSURANCE BENEFIT RANGE LIFE & DISABILITY PLAN - PRODUCT FEATURES AND BENEFITS Cover Ceases:When premiums cease or on death/disability Money Back Guarantee:Equal to the total premiums paid, if non-accidental death/disability occurs within the first 6 months Premium Holiday Benefit:Allows for up to six premiums to be skipped during the term of the policy. This benefit is available again to the client, on payment of the skipped premiums Terminal Illness Benefit:On diagnosis of Terminal Illness, 50% of cover paid out immediately, remainder paid on death/disability (available after 5 years) Income Assistance Benefit:10% of Benefit paid in 48 hours, subject to waiting period Funeral Support Benefit:Transport of the deceased by road or air from anywhere in the world to a funeral home closest to the place of burial 20

F2014 RISK ASSURANCE BENEFIT RANGE LIFE & DISABILITY PLAN - PRODUCT FEATURES AND BENEFITS Medical Underwriting:No medical testing. Standard health questions apply Deferred Period:Payment of disability claims may be subject to a 6-month deferred period, to allow for investigations into validity and permanence, that is the disability should have lasted continuously for 6 months. This may be waived if insured has permanent/irreversible loss. Policyholder may exercise the Premium Holiday option during this period (if it’s available) Exclusions:The disability exclusions are: -Injury or sickness in respect of which the insured received medical treatment during the three-year period prior to the date he/she became covered for disability benefits and as a result of which he/she became disabled within the three-year period after the date of commencement of his/her participation in the disability benefits -Disability due to self-inflicted actions (incl. attempted suicide) -Deliberate exposure to exceptional danger -War or armed conflict (whether it is declared or not), civil unrest and social revolt -Disability as a result of refusing medical treatment by a registered medical doctor -Disability as a result of being affected by alcohol or drugs -Disability due to radio activity or nuclear explosion 21

F2014 RISK ASSURANCE BENEFIT RANGE Access to the following Family Support Services* from independent service providers: 24 HOUR FAMILY SUPPORT SERVICES Health support*:Telephone access to health advisers for assistance with health queries. Trauma, assault and HIV treatment*:Assistance and treatment following assault (e.g. rape, hijacking, child abuse), accidental exposure to HIV or other kinds of trauma. Emergency medical response*:Advice, emergency treatment and transportation to an appropriate medical facility. Legal support*:Free telephone advice and assistance on legal matters, help with legal documents. Important note: *Family Support Services - Certain terms and conditions apply to the facilitation of this access. For a copy of these, call Old Mutual facilitates access to independent Family Support Service providers. Such access is not offered as a benefit under your insurance policy and may be varied or cancelled at any time. The service providers provide services directly to you on terms agreed between you and the service providers. Old Mutual does not accept any liability arising from the services rendered by the service providers. 22

F2014 RISK ASSURANCE BENEFIT RANGE LIFE & DISABILITY PLAN R50 k R100 k R150 k R200 k R300 k R400 k 6 premium skips at any time 6 mnths5 years10 years15 years R500k 24 mnths Staggered Waiting Period Up to R Life & Disability Cover Immediate Accidental Death/Disability Benefit On diagnosis of Terminal Illness, 50% of cover paid out immediately, remainder paid on death/disability Money-back Guarantee in first 6 months 23

ACCIDENTAL DEATH & DISABILITY PLAN Offers cover in the event of accidental death or disability

F2014 RISK ASSURANCE BENEFIT RANGE PRODUCT FEATURES AND BENEFITS Minimum Cover:R Maximum Cover:R Plan Type:Whole life Cover Increases:Cover increases annually at 5% Premium Increases: Premiums increase annually, initially targeting 5% (not guaranteed) Maximum Entry Age:60 lbd Lives Covered:Policyholder only, who also needs to be the premium payer. A spouse may pay the premiums on the policyholder’s life HIV+ diagnosed individuals qualify for cover Death or Disablement:On Accidental Death or Disability: Full cover paid from application date On Non-Accidental Death or Disability: Money Back Guarantee Paid-up Benefits:No paid-up Benefits are available. Premiums must continue for cover to continue Money Back Guarantee:Equal to the total premiums received, on non-accidental death or disability throughout lifetime of policy to a maximum of current cover Premium Holiday Benefit:Allows for up to six premiums to be skipped during the term of the policy. This benefit is available again to the client, on payment of the skipped premiums 25

F2014 RISK ASSURANCE BENEFIT RANGE PRODUCT FEATURES AND BENEFITS Cash Back Benefit: Cash back of 5 months’ premiums after every 60 premiums paid Funeral Support Benefit: Transport of the deceased by road or air from anywhere in the world to a funeral home closest to the place of burial Deferred Period:Payment of disability claims may be subject to a 6-month deferred period, to allow for investigations into validity and permanence, that is the disability should have lasted continuously for 6 months. This may be waived if insured has permanent/irreversible loss. Policyholder may exercise the Premium Holiday option during this period (if it’s available) Recognition of Disability:Disability will be recognised in the event of the total & permanent loss of the use of at least one hand or foot and/or loss of the sight in one eye due to an accident, or total and permanent loss of the use of both hands/feet or one of each due to sickness. While you are permanently employed as a teacher, have suffered demonstrable physical damage to your vocal cords and are prevented from speaking to a degree that you are unable to work as a teacher, or while you are permanently employed as a court interpreter, have suffered demonstrable damage to your vocal cords or lose your hearing to a degree that you are unable to work as a court interpreter Disability Exclusions:Due to self-inflicted actions (attempted suicide), deliberate exposure to exceptional danger (except in attempt to save human life), own criminal act, being affected by alcohol or drugs (not prescribed by registered medical practitioner) 26

F2014 RISK ASSURANCE BENEFIT RANGE Access to the following Family Support Services* from independent service providers: 24 HOUR FAMILY SUPPORT SERVICES Important note: *Family Support Services - Certain terms and conditions apply to the facilitation of this access. For a copy of these, call Old Mutual facilitates access to independent Family Support Service providers. Such access is not offered as a benefit under your insurance policy and may be varied or cancelled at any time. The service providers provide services directly to you on terms agreed between you and the service providers. Old Mutual does not accept any liability arising from the services rendered by the service providers. Health support*:Telephone access to health advisers for assistance with health queries. Trauma, assault and HIV treatment*:Assistance and treatment following assault (e.g. rape, hijacking, child abuse), accidental exposure to HIV or other kinds of trauma. Emergency medical response*:Advice, emergency treatment and transportation to an appropriate medical facility. Legal support*:Free telephone advice and assistance on legal matters, help with legal documents. 27

F2014 RISK ASSURANCE BENEFIT RANGE ACCIDENTAL DEATH & DISABILITY PLAN 6 months5 years10 years15 years R30 k R40 k R50 k R75 k R100 k R125 k R150k Cash-back every 5 years 6 premium skips at any time Up to R Acc. Death/Disab. Benefit On accidental death/disability, immediate cover On non-accidental Death/Disability, cover equal to amount of premiums received 28

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