1. Natu brought to you by: Metropolitan Group Schemes Affordable products for members of: Metropolitan is an authorised Financial Services Provider

2. Do you know what a funeral can cost you? Burial costs – up to R20 000 –Basic fee, coffin, mortuary, funeral service, grave costs, etc. Other –Flowers –Traveling to and from the funeral –Accommodation of guests –Hiring of tents, chairs –Catering –Obituaries –Pamphlets in church, etc.

3. Have you made provision for these costs? How to solve the problem Become a member of this scheme You need to be younger than 65 at your age next birthday

4. Metropolitan Group Schemes offers you: Family Funeral Plan Parent Funeral Plan Extended Family Funeral Plan Investment Plans

5. DreamBuilder Standalone Family Funeral Plans Member & childrenFamily Member & life partner Member only

6. Funeral cover Family –Covers the member, Life Partner and dependent children –Cover level varies from R5 000 up to R30 000 Member and children –Covers the member and children –Cover level varies from R5 000 up to R30 000

7. Funeral cover Member and Life Partner –Covers the member and Life Partner –Cover level varies from R5 000 up to R30 000 Member-only –Covers only the member –Cover level varies from R5 000 up to R30 000

8. Premium rates Cover levels Member onlyMember and children 18-45>46-50>5018-45>46-50>50 5 00011.7015.60 32.5014.30 19.10 34.80 7 50017.6023.40 48.7521.45 28.65 52.20 10 00023.4031.20 65.0028.60 38.20 69.60 15 00035.1046.80 97.5042.90 57.30104.40 20 00046.8062.40130.0057.20 76.40139.20 30 00070.2093.60195.0085.80114.60208.80

9. Premium rates Cover levels Member and Life partnerFamily 18-45>46-50>5018-45>46-50>50 5 000 24.00 29.00 61.00 26.60 32.40 63.50 7 500 36.00 43.50 91.50 39.90 48.60 95.30 10 000 48.00 58.00122.00 53.20 64.80127.00 15 000 72.00 87.00183.00 79.80 97.20190.50 20 000 96.00116.00244.00106.40129.60254.00 30 000144.00174.00366.00159.60194.40381.00

10. Cover levels Cover levels for member and life partner Cover levels for children Older than 14 but younger than 21 Older than 6 but younger than 14 Younger than 6 (incl. stillborn babies) 5 000 2 5001 250 7 500 5 000 3 7501 875 10 000 5 000 2 500 15 000 7 500 3 750 20 00010 000 5 000 30 00015 000 7 500

11. Standalone Parent Funeral Plan Maximum cover level – R30 000 Cover 4 parents Own parents and/or parents-in-law

12. Parent Funeral Plan Cover your own parents and parents-in-law - maximum of 4 parents Cover level varies from R1 000 up to R30 000 3-Months waiting period Parents need to be younger than 85 years age next birthday Can be taken as a standalone plan

13. Premium rates and cover levels Premium per parent younger than 75 years Premium per parent older than 75 years, but younger than 85 years Cover levels PremiumCover levels PremiumCover levels PremiumCover levels Premium 1 000 16.9010 000169.001 000 36.0010 000 359.00 2 000 33.8012 500211.252 000 72.0012 500 449.00 3 000 50.7015 000253.503 000108.0015 000 539.00 4 000 67.6017 500295.754 000144.0017 500 629.00 5 000 84.5020 000338.005 000180.0020 000 718.00 7 500126.7530 000507.007 500269.0030 0001 078.00 Parents need to be younger than 85 years age next birthday at entry or upgrade of cover

14. Standalone Extended Family Funeral Plan Cover up to 9 relatives Aunts, uncles, cousins, nieces, brother-in-law, etc. Maximum cover level R30 000

15. Extended Family Funeral Plan Covers up to 9 extended family members e.g. aunts, uncles, grandparents, cousins Cover level varies from R3 000 up to R30 000 6-Months waiting period Extended family members need to be younger than 85 years age next birthday Can be taken as a standalone plan

16. Premium rates Sum assured 14 or younger 15-2122-3031-4546-6061-7576 to 85 years 3 000 9.00 14.70 22.80 27.90 34.80 67.20 153.00 5 00015.00 24.50 38.00 46.50 58.00112.00 255.00 7 50022.50 36.75 57.00 69.75 87.00168.00 383.00 10 00030.00 49.00 76.00 93.00116.00224.00 511.00 12 50037.50 61.25 95.00116.25145.00280.00 639.00 15 00045.00 73.50114.00139.50174.00336.00 766.00 17 50052.50 85.75133.00162.75203.00392.00 894.00 20 00060.00 98.00152.00186.00232.00448.001 022.00 30 00090.00147.00228.00279.00348.00672.001 533.00 Extended family members need to be younger than 85 years age next birthday at entry or upgrade of cover

17. Cover levels Age next birthday of relative Older than 14Older than 6 but younger than 14 Younger than 6 3 000 1 500 750 5 000 2 5001 250 7 500 3 7501 875 10 000 5 0002 500 12 500 6 2503 125 15 000 7 5003 750 17 500 8 7504 375 20 000 10 0005 000 30 000 15 0007 500

18. Benefits included in the funeral plans Paid-up benefits at the main member's –Death, Disability or Retirement –No more premiums will be payable for the rest of the participants if a Paid-up policy is issued –Paid-up benefits at retirement will be calculated according to a sliding scale Accident benefits (double your cover) for the members, spouse and children older than 14 at the accidental death of the participant Continuation benefit: cover continues if you are no longer a member of the scheme

19. Funeral Services Benefits Provides funds for costs after the burial at the funeral, i.e. Hiring of tents, chairs, equipment at the funeral Providing for a ceremonial tombstone Catering on the day of the funeral Funeral clothes, etc. Member only: cover varies from R5 000 up to R30 000 Life Partner: cover varies from R5 000 up to R10 000 Optional Benefits

20. Premium rates and cover levels Member onlyLife partner Cover levels PremiumCover levels Premium 5 000 8.75 5 000 8.75 10 00017.5010 00017.50 15 00026.25 20 00035.00 30 00052.50

21. Automatic Inflation Management (AIM) Benefit Allows cover level to keep track with inflation Choose 6% premium increase and 4.2% cover increase or 10% premium increase and 7% cover increase Cover level increases annually on policy anniversary Optional Benefits

22. DreamBuilder Investment Plans Pension Plan Education Plan Cash Plan Savings Plan

23. DreamBuilder Savings Plan Product need: to create a culture of saving for a specific goal, i.e. deposit on a small car, house, business, vacation, etc. Minimum premium: R85 pm for a 15-year term Optional supplementary benefits: –Automatic Inflation Management (AIM) –Premium waiver at death / at death and disability of life 2 –Premium waiver at disability of life 1

24. DreamBuilder Education Plan Product need: provide funds for educational purposes, i.e. school fees, extramural classes, college, university, etc. Minimum premium: R160 pm for a 15- year term Optional supplementary benefits: –Automatic Inflation Management (AIM) –Premium waiver at death / at death and disability of life 2 Cash withdrawals after five years – one withdrawal allowed per year

25. DreamBuilder Cash Plan Product need: to provide cash for i.e. house renovations, carpeting, purchasing a computer, etc. Minimum premium: R160 pm for a 15-year term Optional supplementary benefits: –Automatic Inflation Management (AIM) –Premium waiver at death / at death and disability of life 2 –Premium waiver at disability of life 1 Cash withdrawals after five years – one withdrawal allowed per year

26. DreamBuilder Pension Plan Product need: provides pension at retirement Minimum premium: R90 pm for a 15- year term Optional supplementary benefit: –Automatic Inflation Management (AIM)

27. Can you afford to lose out on these benefits? Affordable premiums Variety of benefits to choose from You do not have to undergo medical testing We have a wide network of offices where you can claim Specialised consultants to assist you to make your choice

28. provides affordable products for all your needs! Metropolitan Group Schemes