1. Liberty Medical Scheme (LMS) 2013 Brief Overview

2. Options 2013 Day-to-Day Extender paid from MMB Private Option Complete OptionsSaver optionsHospital Options Network Option Prestige Platinum Complete Titan Titan Select Platinum Saver Gold Saver Select Platinum Focus Gold Focus Gold Focus Select Bona Plus Disease Management Chronic Benefit Other Major Medical Benefits Hospitalisation Major Medical Benefits (MMB) Casualty Day Procedures MRI/CT Scan Crime Trauma Preventative Care Day-to-Day Benefits Self-Fund Threshold Benefit Medical Savings Facility R 19000 Network Medical Savings Facility

4. Day-to-Day Benefits Consultations Basic Dentistry Pathology Basic Radiology Routine Medication Specialised Dentistry Optometry Therapies External Appliances Mental Health Prestige Platinum Complete Titan Titan Select Platinum Saver Gold Saver Select Platinum Focus Gold Focus Gold Focus Select R 19 000 per beneficiary Sub-limits apply to certain benefits Medical Savings Facility Self-Funded 15% 10%15% M: R6 252 A: R4 644 C: R1 800 M: R 3 396 A: R 2 712 C: R 912 M: R 2 436 A: R 2196 C: R 792 M: R 2 760 A: R 2 256 C: R 1008 Self-Payment GAP M: R 2 123 A: R 1 621 C: R 703 M: R 919 A: R 679 C: R 319 Threshold Level Above Threshold Benefit Unlimited Benefits M: R 3 290 A: R 1 940 C: R 850 Limited Benefits Basic & Special DENTISTRY paid from RISK LMS Network GP’s will be re- imbursed @ 115% of the LMS Rate Claims are paid at the LMS Rate on all options

5. Complementary Products to Liberty Medical Scheme

6. Medical GAP Cover Premium: R 140 pf pm Benefit: R 200 000 pb R 2 million pf Benefit: R 25 000 lump sum (or part thereof) Medical Premium Waiver 24 months – R 103 pf pm 60 months – R 180 pf pm Covers the difference between LMS Rate and costs incurred for: In-hospital specialist fees Out-patient Procedures e.g. Chemotherapy, dialysis, coronary angiogram Personal Accident Benefit Any serious accidental injury e.g. MVA, IOD, hi-jacking, etc. that results in permanent total disability of the principal member Provides principal members of a medical scheme with the assurance that their dependants will receive ongoing funding towards their medical scheme membership should they die or become permanently disabled Complementary Products to Liberty Medical Scheme