Welcome to

your FNB
Funeral Plan

2023-03-17
Dear Jan Appelgryn

Your Funeral Plan: FI9106465

Plan start date: 2023/03/16
Thank you for choosing our Funeral Plan to offer you peace of mind knowing that you and your family will have the financial
support you need, in the unfortunate event of death.

This document contains the benefits of your Funeral Plan which is subject to the Terms and Conditions. Please ensure that all
the information is correct to enjoy all the benefits, hassle-free.

Some of the great benefits on your funeral plan:

Double the value Double the cover amount will be paid if you or your nominated spouse pass away due to an accident.
Premium Back Reward Get up to 6 months of premiums back every three years.
Burial Repatriation Our Burial Repatriation benefit covers the cost of transporting the remains of you or your loved ones to the place
of burial within the borders of South Africa.
More cover You can hold up to 5 plans with up to 21 family members covered on a single plan, subject to minimum policy
premium requirements.
Fast payouts Claims are paid out within 24 hours of receipt of all relevant documentation, with 1 in 5 claims currently paid in
30 minutes.
Easy claims We will look for your loved ones with the information we have available to pay the benefit, even if they have not
yet submitted a claim.

You can make changes to your Funeral Plan on the FNB App or website: www.fnb.co.za or by dialing *120*321#

Premium payment information

Your current premium: R145.00, escalating 8% annually
Monthly collection date/ payment start date: 2nd of every month
Bank: First National Bank
Account number: XXXXXXX6902

Where the primary payment arrangement is debit order, you can identify this payment on your account as FNB Funeral
FI9106465.
Where the primary payment arrangement is Activity Based Payments, we will create an Activity Based Payment arrangement on
your account monthly. You can find this arrangement under 'Payments' on all FNB digital channels.
If your plan is in arrears, we will collect up to two premiums.

Your beneficiary
In the event of your death, your nominated beneficiary will receive the proceeds of the Funeral Plan. Ensure that you keep your
beneficiary details up to date to help fast track the claim process. Your nominated beneficiary is:
Beneficiary: Johannes Appelgryn
ID or Passport Number / Date of Birth: 1945/03/31
Contact details: 0823817489

First National Bank A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). FirstRand Life Assurance Limited, a licensed Insurer.
Projected cover and premiums
Below is an illustration of the total projected premiums and cover amount for your Funeral plan over the next 20 years:

Year Plan Holder Plan

Cover Amount Premium Cover Amount Premium
2023/03/17 R50 000.00 R145.00 R50 000.00 R145.00
2024/03/16 R52 500.00 R156.60 R52 500.00 R156.60
2025/03/16 R55 125.00 R169.13 R55 125.00 R169.13
2026/03/16 R57 881.00 R182.66 R57 881.00 R182.66
2027/03/16 R60 775.00 R197.27 R60 775.00 R197.27
2032/03/16 R77 566.00 R289.85 R77 566.00 R289.85
2037/03/16 R94 282.00 R406.17 R94 282.00 R406.17
2042/03/16 R94 282.00 R470.87 R94 282.00 R470.87

The premiums for your Insured Persons will increase by 8% per year. The cover will increase by 5% per year. This is to keep
the cover relevant as the costs of funerals increase. However, you can choose to opt-out from the cover increase every year.
The cover will stop increasing once the Insured Person turns 65 years old. Insured Persons cover will also not increase once
they reach the maximum insured amounts. If the Insured Person's cover does not increase, their premium will still increase by
3% in that year. We will notify you before the Plan's anniversary about the yearly increase. If a death occurs before the yearly
premium and cover increases, the claim pay-out will not include the increased amount.

The Funeral Plan premiums are reviewed between October and December every year. If the review results in any changes to
your Plan, you will be notified before the changes are implemented.

Burial Repatriation Benefit

During times of loss, you need all the support you can get. That's why we offer the Burial Repatriation benefit to help you
transport the remains of you or your deceased loved ones to the final resting place within South Africa.

In the event of death, the Burial Repatriation benefit provides the basic transportation of the mortal remains to the funeral
home of your choice, closest to the place of burial. The benefit also provides transportation and one night's accommodation of
one accompanying Family member, where travel distance deems it applicable.

The following Insured Persons are eligible for the Burial Repatriation benefit:

• Insured Persons with R20 000 or more cover

• Insured Persons covered as Children (regardless of cover amount)

The benefit is available from the policy start date with no waiting periods. Terms and conditions apply.

Premium Back Reward

With our Premium Back Reward, you may get up to 6 months of premiums back every three years. Terms and conditions
apply.

Are you switching?

FNB will waive all your completed waiting periods if you already have a funeral plan with another insurer and would like to
make the switch.

If you want FNB to waive your completed waiting periods, please send us your policy schedule and cancellation documents
not older than 31 days to [email protected] or you can submit them at your nearest FNB branch. If successfully processed,
you will receive an amendment letter with the updated waiting periods from FNB.

You may cancel the Plan telephonically or in writing at any time by giving us 31 days’ notice. We will refund any premiums
paid if you cancel the plan within two months from the start date provided you have not yet claimed.

First National Bank A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). FirstRand Life Assurance Limited, a licensed Insurer.
Insured Persons
Below is a summary of the insured persons covered under this plan, the cover amounts and premium. Please review your
cover frequently to ensure that it continues to meet your needs.

No claim will be paid for an insured person's death that occurs within the waiting period. Increases in cover or cover of new
Insured Persons will be subject to the following waiting periods:

Cause of death Waiting period

Accident None
Natural causes 6 months from the Start Date / Cover Increase Date
Suicide 12 months from the Start Date / Cover Increase Date

Insured Person ID or Passport Relationship to Total cover amount Eligible for Burial Premium
number / Date of plan holder Repatriation
birth benefit
Jan Appelgryn 7108305181087 Plan Holder R50 000.00 Y R145.00
Total Premium R145.00

Please review your cover frequently to ensure it continues to meet your budget and needs. Please visit www.fnb.co.za for the
Terms and Conditions, to see the applicable exclusions and waiting periods and more information on how your Plan works.

E) [email protected] T) 087 736 7772

First National Bank A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). FirstRand Life Assurance Limited, a licensed Insurer.
FNB Life
5 First Place, 3rd Floor, Bank City
9 Kerk Street
Johannesburg, 2000
PO Box 1153
Johannesburg, 2000
www.fnb.co.za

FNB Funeral Insurance Plan Terms and Conditions

The FNB Funeral Insurance Plan (or this "Plan") is subject to the terms and conditions set out in this document and must be read with the Plan
Schedule and, where applicable, your Customer Agreement.

1. Who is the insurer of the Plan? • Grandparents: Your Parents' Parents

FirstRand Life Assurance Ltd ("FirstRand Life") is the Insurer of the • Your other child(ren) who live with you, who you care for
Plan. Any reference to "we, us, our, ourselves" in this document shall and for who a court could assign contact and care in terms
mean FirstRand Life, FNB, or eBucks, as may be relevant. of South African law
• Your adoptive parent(s), who you lived with, who took care
2. Who is the Plan Holder?
of you and who a court could have assigned contact and
The owner of the Plan and the person who pays the premiums. For the
care rights to, in terms of South African law.
purposes of this document, the Plan Holder will be referred to as “you,
your, yourself”. You can be the Plan Holder of up to 5 Plans. 4. What are the Insured Persons covered for?
It is your responsibility to ensure that you do not over-insure any a) Funeral Benefit
Insured Person on your Plans. This Plan is a funeral policy and pays out your chosen cash benefit for
the Insured Person, as stated in your Plan Schedule or Customer
3. Who can be insured under the Plan?
Agreement/Quote, if the Insured Person dies.
You and your Family members can be insured and will be referred to
as "Insured Person(s)". b) Double Accidental Death Benefit
In the event of the Accidental Death of the Plan Holder and/or the
All Insured Persons must for the duration of cover have either:
Spouse, double the applicable cover amount will be paid. Accidental
• A valid bar-coded RSA ID, RSA Smart ID card or passport; Death means a death that occurs during the cover of this Plan, caused
or solely by injury sustained during an Accident, within 90 days of the
• A valid unabridged South African birth certificate (for Accident, which is not related to any other causes. Accident means
children younger than 18 years). any injury caused solely and unexpectedly, directly and independently
If you do not have an RSA ID or RSA Smart ID, you need to have a of all other causes, sustained by external, violent or physical means.
valid permit/visa that allows you to be in South Africa for the duration of For example, a car crash.
this Plan. c) Burial Repatriation Benefit (Repatriation of Mortal Remains)
The Insured Person's name, personal details, and the amount for In the event of death, the Burial Repatriation benefit provides the basic
which they are insured for is stated in the Plan Schedule and, where transportation of the mortal remains to the funeral home of your choice,
applicable, in the Customer Agreement. closest to the place of burial. The benefit also provides transportation
It is your responsibility to ensure that all the Insured Persons' and one night's accommodation of one accompanying Family member,
relationship to you are correctly specified and that their personal where travel distance deems it applicable.
details are correct. We may confirm Insured Persons' relationship to The following Insured Persons are eligible for the Burial Repatriation
you and their personal details at any time. Incorrect personal details benefit:
could be considered a material misrepresentation which will result in • Insured Persons with R20 000 or more cover
us disputing or rejecting any claim, cancelling cover or the Plan itself. • Insured Persons covered as Children (regardless of cover
Family refers to: amount)
a) Spouse: Please take note of the following:
• The person who you are married to, or have entered into a • Any transportation will only take place within the borders of
civil union with, in terms of or recognised by South African South Africa;
law. • The Burial Repatriation benefit can only be used with our
• Your partner who you are living with for at least 24 months, preferred service provider;
in a long-term, open and acknowledged relationship, • Any additional costs that may result from the services
capable of being registered under South African law. provided will be for the claimant's own expense;
• The biological parent of your biological child. • This benefit cannot be sold, exchanged for cash, or
Only one Spouse can be covered. You can cover your additional transferred; and
spouses under Extended Family. • This benefit / service is provided by a third party. We will not
b) Child(ren): Your biological children, legally adopted children, be liable for losses, damages or expenses arising from the
grandchildren and stepchildren. Only eight Children can be use of the services.
covered. You can cover your additional Children under Extended 5. When will the Plan and cover start?
Family. This Plan and cover start on the day the Insurer accepts your
c) Parents: Your biological and legally adoptive parents, application. We will notify you once accepted. The contract, which
step-parents, parents-in-law and legal guardians. includes the Plan Schedule, Customer Agreement and Terms and
d) Extended Family: Conditions will take effect from the cover Start Date, as stated in your
• Your additional spouse(s) Plan Schedule. The cover of other Insured Persons starts on the date
• Your additional child(ren) or child(ren) that we add them to the Plan.
• Sibling/s: Your Parents' Children (brother, step brother, 6. What must you pay for the Plan and when?
sister, or step sister), your brother-in-law and sister-in-law You must pay the premium amount stated in the Plan Schedule.
• Uncle/Aunt: Your Parents' sister or brother Premiums are payable monthly. Partial payment of premium will not be
• Niece/Nephew: Your Sibling's Child accepted.
• Cousin: Your Uncle/Aunt's Child

First National Bank – a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). FirstRand Life Assurance Limited, a
licensed insurer.
VR: 20230219. Page 1 of 4
You authorise us to collect your premium each month on your chosen The Premium Back reward will be calculated as follows:
premium payment date by debit order, or by Activity Based Payment,
• If your last 3 premiums were collected from an FNB account:
or by other acceptable means.
You will get 6 months' worth of your average premiums (over the
Premiums must be paid from your own South African bank account. last 36 collected premiums) paid back in eBucks.
Please ensure that there is enough money in your account.
• If your last 3 premiums were collected from another Bank's
If you choose a premium payment date that is within seven days after account:
the Plan's Start Date, your first premium payment will only be the You will get 3 months' worth of your average premiums (over the
following month on your chosen premium payment date. You may last 36 collected premiums) paid directly into the account where
change your premium payment date at any time. However, changes premiums are collected from.
requested within four days from the next premium payment date may
We reserve the right to change the method of payment of the Premium
only be applied from the following month.
Back reward at any time.
If the premium payment date falls on a weekend or a South African
The Premium Back reward does not apply to “Funeral Plan – Classic”
public holiday, we will collect the premium on either the business day
Plan Holders. "Funeral Plan – Classic" Plan Holders can contact us to
before or after your chosen date. You may change your bank account
convert their plan and no new waiting periods will apply. Your new
details at any time, provided your new bank account is in your name
Premium Back reward benefit will start after you convert i.e. the 36
and we are able to collect your premium from it.
months will commence from date of upgrade.
If you do not have enough money in your account for us to collect the
premium(s), our electronic tracking service may continue to check your 9. When will the cover and Plan end?
account. Under the Debit Order payment arrangement the unpaid The Plan and all cover ends:
premium(s) can be collected should there be enough money available • When the Plan is cancelled;
in your account. Under the Activity Based Payment arrangement • If you do not pay the premiums as agreed;
unpaid premiums will automatically be paid from the deposit(s) • Immediately upon the death of any Insured Persons, if they are
received into your account. the only one covered on the Plan; or
• Three months after your death, if any of the Insured Persons on
If you cancel or dispute the premium payment arrangement, your Plan
the policy over the age of 18 do not choose to carry on with the
and the obligations will remain, and we may cancel your plan. You
Plan as per the continuation option (see Clause 16).
authorise us to collect up to four times your initial premium to allow for
future cover and premium increases. If we transfer the Plan to another Cover for an Insured Person ends on the day they are removed from
insurer, then the mandate that you have given to us to collect from your this Plan or upon their death.
account will also be transferred to the new insurer.
10. Waiting Periods and Exclusions (when will an Insured
Your premium payment date may change and may be aligned to the Person not be covered?):
date you receive your salary or income. No claim will be paid for an Insured Person's death that happens
You cannot reclaim amounts, which have been withdrawn from your within the waiting period.
account (paid) in terms of this payment arrangement if such amounts Cause of death Waiting period
were legally owing to us. You cannot borrow money under this Plan or
Accident None
use it as security for a loan.
Natural causes 6 months from the Start Date
What happens if I miss a premium?
Through the Budget Assistance benefit, you can at any time be up to Suicide 12 months from the Start Date
four premiums in arrears and still be covered. If you are in arrears, we
If you have completed your natural causes waiting period, your
will collect up to two premiums every month until you are no longer in
newborn Children will automatically qualify for immediate cover from
arrears. Your Policy will lapse when you are more than four premiums
their date of birth for three months. If you want them to remain insured
in arrears.
under this Plan without incurring new waiting periods, you need to add
Premium and benefit increases: them to the Plan within three months of their birth.
The premiums for your Insured Persons will increase by 8% per year.
Waiving of Waiting Periods: We will waive any waiting periods that
The cover will increase by 5% per year. This is to keep the cover
you or the Insured Persons on your Plan have already served on
relevant as the costs of funerals increase. The cover will stop
another licensed South African insurer’s policy, for the same type of
increasing once the Insured Person turns 65 years old. Insured
benefits we provide, if you give us a copy of the policy schedule and
Persons cover will also not increase once they reach the maximum
proof of cancellation of the policy. Both of which must not be older than
insured amounts as shown in Clause 13. If the Insured Person's cover
one month from the Start Date of this Plan.
does not increase, their premium will still increase by 3% in that year.
We will notify you before the Plan's anniversary about the yearly Exclusions: We will not pay any amount, including benefits or refund
increase. of premiums, where:
• Death arises from active participation in war, invasion, act of
7. eBucks foreign enemy, criminal acts, hostilities or war-like operations
Your Funeral Plan may allow you to earn eBucks. Your participation in (whether war has been declared or not), civil war, military
the eBucks Rewards Programme allows us to better assess your risk, uprising, military or usurped power, martial law, insurrection,
enabling us to provide you with these benefits for you to earn back a rebellion or revolution;
percentage of your premium in the form of eBucks or collect points • The death of a non-South African Insured Person occurs while
towards your rewards level. Please ensure you have read and they are outside South Africa and/or the death is not registered
understood the eBucks Rewards Terms and Conditions. with the South African Department of Home Affairs;
The earn rules are subject to change and changes are effective on 1 • The Terms and Conditions of this Plan are not met; or
July every year. For more details on the eBucks Rewards Programme, • Any information provided upon taking out this Plan, or updating
how to become a qualifying eBucks member and how to earn points, any of the Plan details, or the submission of a claim is materially
please visit www.eBucks.com. If you have any queries regarding incorrect, fraudulent, misrepresented or omitted.
eBucks Rewards, please contact the eBucks Contact Centre on 087
11. Changes to cover or Insured Persons:
320 3200.
The Plan Holder or the duly authorised representative, may increase or
8. Premium Back Reward decrease cover amounts, as well as add or remove Insured Persons
After every 36 monthly premiums that we successfully collect, you will on the Plan. Increases in cover or cover of new Insured Persons will
receive the Premium Back reward. be subject to the waiting periods in Clause 10.

First National Bank – a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). FirstRand Life Assurance Limited, a
licensed insurer.
VR: 20230219. Page 2 of 4
The minimum and maximum entry ages on the Plan's Start Date, or if • The beneficiary must be a natural person, in South Africa, 18
added later, are as follows: years or older, and cannot be a company, business, charity or
trust.
Insured Person Minimum age Maximum age
at entry at entry • The beneficiary must fall within the category of your Family.
• You must let us know if you want to change the beneficiary. For
Plan Holder and Spouse 18 74
the change to be effective, it must have been received and noted
Children Birth 74
by us before your death. It is your responsibility to ensure that we
Parents and Parents-in-law 35 74 have the correct personal details and contact number of your
Extended Family members Birth 74 beneficiary to avoid any claim delays.
• We reserve the right to ask for, at any time, additional information
You can cancel a change to your Plan at any time. We will refund any to verify the beneficiary's identity and relationship to you.
additional premiums paid as a result of this change within two months
What do I do if my claim gets rejected?
of making it, provided there has been no claim.
We may reject your claim or cancel your Plan with no refund of
12. How and when to make a claim? premiums if there is:
The claimant (you, a Family member, or appointed representative or • Misrepresentation, non-disclosure, or an inaccurate statement or
executor) must notify us of a claim as soon as possible after the claim information about your Plan or about any Insured Persons made
event. If the claimant does not notify us within 12 months of the claim by you, or on your behalf.
event happening, the claim will prescribe, and we shall not be liable to • A fraudulent claim.
pay any benefits under this Plan for such claim. It is your responsibility • A claim occurs due to a deliberate, wilful, or intentional act
as the Plan Holder to ensure that your appointed beneficiary is committed by you, or with your involvement, or anyone acting on
informed of these requirements. Notification can be done on the FNB your behalf.
App, FNB website, at the nearest FNB Branch, to FNB Life • Any breach of, or non-compliance with, any condition of this Plan.
telephonically on 087 736 7772 or by email on If we reject your claim, you have 90 days to ask us in writing for a
[email protected]. review of the decision. When we receive the request, we will review it
What is needed to claim? and inform you of our decision in writing. If you are still not satisfied
The following is required to process the claim: upon receiving our reviewed decision and do not serve a summons on
• Completed claim submission us within 180 days from the day when we inform you of our final
• Certified copy of the fully completed BI1663 form (Notice of decision, we will then be relieved of our liability and your claim will
death); prescribe. The 180-day period is in addition to the 90 days referred to
• Certified copy of the claimant's identity document or valid above.
passport; If we still reject your claim and you are not satisfied with the reason
• Deceased's identity number or a certified copy of their valid that we provide for the rejection, or if you have any unresolved dispute
passport; about this Plan, you may refer the matter to the Ombudsman for
• Statement by the police (only if death was due to unnatural Long-term Insurance: Sixth Floor, Claremont Central Building, 6
causes). Vineyard Road, Claremont, Cape Town, 7700. Private Bag X45,
We reserve the right to request any additional information to verify or Claremont, 7735. Tel: (021) 657 5000 Fax: (021) 674 0951. Email:
process the claim, which must be provided at the claimant's cost. [email protected]. www.ombud.co.za.

13. Claim limitations: Unclaimed Benefits: The Plan Holder or beneficiary will be contacted
The following claim limitations apply: if a claim was approved and remains unpaid. If we are unable to make
• Children and Extended Family up to 5 years old are allowed to be contact, the benefit will be deemed unclaimed. Costs incurred in
covered up to a maximum of R20 000 across all your Funeral tracing a beneficiary will be recovered from the Plan. We will follow the
insurance Plans with us. ASISA standard on unclaimed benefits.
• Children and Extended Family between 6 and 17 years of age are 15. Reinstatement
allowed to be covered up to a maximum of R50 000 across all If your Plan lapses after we have received at least one premium, it can
your Funeral insurance Plans with us. be reinstated within 60 days of lapsing. No additional waiting periods
• Other Insured Persons between the ages of 18-74 are allowed to will be applied, and cover will resume from the date when the Insurer
be covered to a maximum of R100 000 across all Funeral accepts your reinstatement. You will be required to pay the full
insurance Plans with us. outstanding premium(s) owing on your Plan. After reinstatement we
It is your responsibility to ensure that you do not over-insure any will collect up to two premiums every month until you are no longer in
Insured Person on your Plans. arrears. If we are unsuccessful in collecting your next premium after
reinstatement, your cover will lapse immediately.
14. Who will we pay if an Insured Person dies?
If any Insured Persons, other than yourself, dies, the funeral benefit Reinstatements after 60 days of lapsing will be treated as taking up a
will be paid to you. new Plan and will be based on prevailing pricing and product rules.
New waiting periods will apply and there will be no cover between the
If you die and if you have nominated a beneficiary, we will pay the
time your Plan lapsed and the first successful premium payment after
funeral benefit and any refunds due to you to the nominated
reinstatement.
beneficiary.
You can reinstate your plan for a maximum of 3 times during the
If you die without a nominated beneficiary, or your beneficiary is
lifetime of your policy.
untraceable, or your beneficiary is not eligible, we may pay the benefits
of this Plan to your estate or to the claimant who submitted the claim. If 16. Waiver and Continuation Option
the beneficiary dies before or together with you, then the Plan's If you die, the Plan and remaining cover will stay active for three more
benefits will be paid into your estate or to the claimant who submitted months. One of the Insured Persons on this Plan, over the age of 18,
the claim. The claimant must fall within the category of your Family and can take over this Plan as the new Plan Holder. They must inform us
have a responsibility to pay for your funeral expenses. within three months of your death if they choose to do so. It is your
We will only pay benefits into a South African bank account. responsibility to ensure that the Insured Persons are informed of these
benefits. If more than one Insured Person applies, we will choose
Nominating a beneficiary: You can choose a beneficiary when the
which Insured Life can continue the Plan.
Plan is taken out or at any stage before your death. The following
eligibility rules apply:

First National Bank – a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). FirstRand Life Assurance Limited, a
licensed insurer.
VR: 20230219. Page 3 of 4
17. Reviews and Cancellations A Financial Services Provider in terms S3A(2)(a) of the FAIS General
We have the right to change or cancel the Plan, benefits, feature, Code of Conduct is required to have a Conflict of Interest Policy. A
premiums, Premium Back and/or eBucks rewards for any reason, copy of the FirstRand FAIS Conflict of Interest Policy, that also covers
including but not limited to: this FSP, can be found at
• complying with legislation or other rules applicable to this Plan; https://www.firstrand.co.za/investors/governance-and-compliance/
• ensuring the Insurer's reputation remains intact and/or is not Complaints: If you have any complaint about FNB, you can contact
compromised; the Complaints Call Centre on 087 575 9408; or email
• products/plans no longer remaining financially feasible for the [email protected]. You can contact the Compliance Officer on 011 371
Insurer. This may be applicable to a product line and/or an 7953.
individual policy;
Unresolved Complaints: If after you have contacted FNB and you
• undesirable and/or criminal activity.
have an unresolved dispute about the financial service provided to you,
In addition, we may place the Plan on hold and/or refuse any you can contact the FAIS Ombudsman. Physical address: FAIS
transaction, instructions or take any other action that we consider Ombudsman Kasteelpark Office Park, 2nd Floor, Orange Building,
necessary to comply with the law and prevent or stop undesirable Cnr Nossob & Jochemus Streets, Erasmuskloof, Pretoria or PO Box
and/or criminal activity. Any legal issues will be decided in accordance 74751, Lynnwood Ridge, 0040. Tel: 012 470 9080 / 012 762 5000.
with South African Law. This Plan does not have any surrender or Email: [email protected]. Website: www.faisombud.co.za.
paid-up value.
Policy Information: It is your responsibility to provide all policy
At times, we may be lenient in enforcing the Terms and Conditions of information accurately and properly. You remain responsible for the
the contract or the rights that we have in terms of it, if it is to your accuracy and completeness of all answers, statements or other
benefit. Such leniency will not prevent us from being able to enforce information provided by you or on behalf of you. Misrepresentation,
any existing or future right we have under the Plan. non-disclosure of a material fact or an incorrect or inaccurate
Premiums will be reviewed between October and December every year statement or information by you or on your behalf may lead to the
to assess if it remains possible to provide cover at the current pricing. rejection of a claim or the cancellation of this Plan and no refund of any
After such review premiums may be adjusted. Changes to premiums, premiums. You are entitled to request a copy of any transaction on
will be done for everyone who has this Plan and not only you. your Plan.
We will notify you via SMS, email, FNB App or any other means at FirstRand Privacy Term and Privacy Notice:
least 31 days before we make any changes or cancellations. • Your personal information (which, for the purposes of this term,
Any changes we may make to the Policy will only apply as of the includes special personal information) will be held by entities
effective date and will not cover events that occur before the effective within the FirstRand Group.
date. • To better understand the entities that form part of the FirstRand
You may cancel the Plan telephonically or in writing at any time by Group and how your personal information is treated, please refer
giving us 31 days’ notice. We will refund any premiums paid if you to FirstRand’s Privacy Notice which forms part of this privacy
cancel the plan within two months from the Start Date (this is known term. The Privacy Notice can be found on our Platform (for
as the Cooling-off Period), provided you have not yet claimed, example our banking app or website) or contact us to request a
otherwise no premiums will be refunded. copy.
• In this privacy term references to “we”, “us” or “our” are
18. How do we communicate with you? references to the entities in the FirstRand Group, and all
The main form of communication to you regarding this Plan will be via affiliates, associates, cessionaries, delegates, successors in title
SMS, but we may communicate by email, FNB App, digital platform or or third parties (authorised agents and contractors), when such
other means. We will communicate to you using the contact details parties are acting as responsible parties or operators in terms of
you have provided/confirmed to us. applicable privacy laws, unless stated otherwise.
19. Insurance Complaint Process & Regulatory Information • By accepting these Terms and Conditions or by utilising any
Product Supplier and Underwriter: FirstRand Life is a licensed life products or services (“Solutions”) offered by us, you
insurer. Licence No. 00102/001. Registration No. 2014/264879/06. acknowledge that in order to:
3rd Floor, 5 First Place, Bank City, 9 Kerk Street, Johannesburg, o conclude and fulfil contractual terms or obligations to you;
2000. PO Box 1153, Johannesburg, 2000. Tel. 087 736 7772. Email: o comply with obligations imposed by law; or
[email protected] o to protect or pursue your, our, or a third party’s legitimate
interests, including offering Solutions that best meet your
Complaints: If you have any complaints about this Plan or a claim, needs; your personal information may be processed through
please contact the Complaints Department. Tel: 087 575 9408. E-mail: centralised functions and systems across entities in the
[email protected]. You can also contact the Compliance Officer on 087 FirstRand Group and may be used for the purposes, in the
736 7772 or E-mail: [email protected]. manner, and with the appropriate controls as set out in our
20. Financial Service Complaint Process & Regulatory Privacy Notice.
Information • Where it is necessary to obtain consent for processing outside of
FNB is a registered financial services provider for this class and type this privacy term, we will explicitly seek your consent separately.
of product. FNB takes responsibility for the actions of its authorised • We want to ensure that you fully understand how your personal
representatives insofar as they are providing financial services. Some information may be used. We have described the purposes for
representatives may be rendering services under supervision and will which your personal information may be used in detail in our
inform you accordingly. Privacy Notice. We have also set out further information about
accessing, correcting or objecting to the processing of your
FirstRand Life and FNB hold professional indemnity insurance.
personal information in our Privacy Notice. We strongly advise
FNB and FirstRand Life are associates in terms of the FAIS Act. that you read our Privacy Notice.
Financial Service Provider: First National Bank ("FNB"), a division of • For the purposes of these Terms and Conditions the responsible
FirstRand Bank Limited, Registration No. 1929/001225/06. FSP No. party is the party with whom you are contracting a Solution, as
3071. 3rd floor, 1 First Place, Simmonds Street, Bank City, 2001. PO well as other entities in the FirstRand Group, which are listed in
Box 1153, Johannesburg, 2000.(visit the FNB website). Tel: 087 575 our Privacy Notice as responsible parties. For the contact details
9404 (international). E-mail: [email protected] of these responsible parties, please see our Privacy Notice.

First National Bank – a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). FirstRand Life Assurance Limited, a
licensed insurer.
VR: 20230219. Page 4 of 4