LIFESTYLE PROTECTORLIVING LIFESTYLE

1 Living Lifestyle is a market-leading benefit on the Lifestyle Protector product

• Itprovidescomprehensivecoverageandfinancialsecurityformorethan150differentcriticalillnessesandtrauma-relatedevents.

2 Medical Advancements Protection (MAP) is a revolutionary, market first feature

• Itisautomaticallyincludedfreeofcharge.

• Ithelpstogiveyoupeaceofmindthatyourcoverremainsrelevantintothefuturebyallowingclaimstobepaidonnewmedicalassessmentcriteria,proceduresorsurgeries,wherethesehavereplacedtheonesspecifiedintheoriginalcoveryoupurchased.

3 Great new Living Lifestyle improvements

• Newclaimsdefinitionshavebeenaddedforconditionsandillnessesthatwerenotpreviouslylisted.

• Higherpayoutpercentagesforcertaincriticalillnessconditions.

• Certainexistingdefinitionshavechangedtoensurethehigheststandardsofobjectivityandtransparencyandtotakeaccountofmedicaladvancementsinrecentyears.

4 Full flexibility to tailor your benefit

• ProvidecoverforevenmoreconditionsthroughtheExtendedOptionand/orincreasethepayoutpercentagesforcertainclaimconditionsto100%withourTop-UpOption.

• Youcanchoosecoveruptoage65orforyourentirelife.

• Differentversionsofcoverallowyoutodecideupfrontwhetherclaimswillreducelifecoverornot.

5 The most comprehensive Catch-All benefit category available in the market

• Isautomaticallyincludedfreeofcharge.

• NowincludescriteriatomakeaclaimforTerminalIllness.

• NowincludesActivitiesofDailyLivingcriteriaatmultiplepayoutlevelsinthebenefitcategory.

T O P F I v E R E a S O n S T O h av E L I v I n g L I F E S T Y L E

1LIFESTYLE PROTECTORLIVING LIFESTYLE

L I v I n g L I F E S T Y L E

Liberty’sLivingLifestylebenefitisamarket-leading,comprehensiveandflexiblebenefitontheLifestyleProtectorproduct.Itprovidesfinancialsecurityasitpaysoutacashlumpsumifyousufferacriticalillnessortraumatichealthevent.Beingdiagnosedwithacriticalillnessisalife-changingeventwhichmayrequireyoutomakesubstantiallifestyleadjustmentsthatcanhavesignificantfinancialimplications.

LivingLifestylehasanumberofautomaticbuilt-infeaturessuchastheCatch-AllbenefitcategoryandtheinnovativeMedicalAdvancementsProtection(MAP)featurewhichprovidesyouwiththeadditionalcomfortthatyourbenefitwillstayuptodatewithmedicaladvancements.Inaddition,thereareoptionswhichyoucanaddtoyourcovertoincreaseyourpayoutsandextendyourcovertoincludelesssevereillnesses.Youcanevenchoosetoaddsomefurtherbenefitsspecifictofemalesandchildren.

Anyonecansufferacriticalillness.Thechancesofsuchaneventarerelatedtofactorssuchasyourage,gender,familyhistoryandlifestyle(dietandsmokingforexample).Acriticalillnesssuchasmotorneuronediseaseoranunfortunatetraumatichealtheventsuchasastrokeraisesthequestion-wouldyoubeabletocopefinanciallyifithappenedtoyou?Lifeisfullofresponsibilities:letusguideyouinmakingthechoicesthatwillgiveyoupeaceofmindthatyouhaveprovidedforyourlifestyleshouldyouexperienceoneoftheseevents.

Liberty’s Living Lifestyle benefit is the unparalleled benchmark for critical illness cover in South Africa. The multiple cover options give you complete control to suit your needs and your pocket.

WithinnovativefeaturesliketheCatch-AllbenefitcategoryandMedicalAdvancementsProtectionyoucantakecomfortinknowingthatyouandyourfamilyhavethehighestlevelsoffinancialsecurityavailable.

2 LIFESTYLE PROTECTORLIVING LIFESTYLE

W h Y D O I n E E D I T ?

Libertygivesyoutheknowledgeandproductsyouneedtotakecareofyourresponsibilitieswithconfidencethatyouhavecomprehensivelypreparedfortomorrow.

How can Living Lifestyle work for me?

Whenyouarediagnosedwithaseriousillness,yourqualityoflifecanbereducedsignificantly,andyouarelikelytoincurconsiderableadditionallifestyleadjustmentexpenses.Imagineyouwerediagnosedwithmultiplesclerosis.Thismayputseverepressureonyourfinancesasyoumodifyyourhousetocopewithyournewcondition.Whatifyourchosenspecialistdidnotliveinyourarea,andyouneededtopayforairfaresandaccommodationcostseachtimeyouneededtoseethem?Considerthatmanycriticalillnessesmayresultinyouneedingtohireacaregivertolookafteryoutemporarilyorevenpermanently.OurLivingLifestylebenefithelpstoprotectyouagainstthesefinancialrisks,andprovidesyouwithacashpayoutshouldyousufferoneofthespecifiedcriticalillnessesortraumaevents.

What are the chances of it happening?

Youmayconsideryourselfafairlyhealthypersonandbelievethatyourchancesofsufferingacriticalillnessarerelativelylow.However,themostcommoncriticalillnessessufferedarecancerandheartattacks,andthechancesofsufferingoneofthesebeforeage70ishigherthanyoumaythink.Ifyoubecamecriticallyill–whatwouldthatdotoyourfinances?

Not everything in life can be controlled, but you can plan for the unexpected.

3LIFESTYLE PROTECTORLIVING LIFESTYLE

*Approximatefigures

What are the chances of a 30 and 45 year old suffering a heart attack or cancer?

1 in 7 men

1 in 8 women

CANCER45 Year Old

1 in 7 men

1 in 7 women

CANCER30 Year Old

1 in 6 men

1 in 20 women

HEART ATTACK

45 Year Old

1 in 5 men

1 in 20 women

HEART ATTACK

30 Year Old

Non-smoker: Chancesofsufferingaheartattackorcancerbefore70*

CANCER30 Year Old

1 in 5 men

1 in 6 women

HEART ATTACK

45 Year Old

1 in 3 men

1 in 9 women

HEART ATTACK

30 Year Old

2 in 5 men

1 in 9 women

CANCER45 Year Old

1 in 6 men

1 in 7 women

Smoker: Chancesofsufferingaheartattackorcancerbefore70*

5LIFESTYLE PROTECTORLIVING LIFESTYLE

h O W I T W O R K S

How does the Living Lifestyle benefit fit into Lifestyle Protector?

Ourprotectionisgroupedintofourpillars,eachcoveringadifferentsetofrisksthatyoumayface.OneofthesepillarsisLifestyleProtection,whichincludesbenefitsthathelpyouprotectyourselfagainsttheriskofbeingburdenedwiththecostofsurvivingandrecuperatingfromsomeformofcriticalillnessorunexpectedtraumaticevent.TheLivingLifestylebenefitisincludedinthispillar.

How does the Living Lifestyle benefit work?

Over150conditionsarecoveredbytheLivingLifestylebenefit.Theconditionscoveredaregroupedinto31differentcategories(knownasbenefitcategories)andincludecoverrelatingtocancers,heartdiseases,strokesandparalysis,tonameafew.WeevenincludeaCatch-Allbenefitcategorytoensurethat,ifyousufferaseriousillnesswhichcannotbeassessedundertheotherbenefitcategories,youmaystillqualifyforaclaim(seethesectionontheCatch-Allbenefitcategoryformoreinformation).

At Liberty we know that there are numerous critical illnesses that may afflict you. Confidently protect your lifestyle in the event of a critical illness or sudden traumatic event with our market leading Living Lifestyle benefit.

6 LIFESTYLE PROTECTORLIVING LIFESTYLE

*Recentlyimprovedpayouts°Newandadjustedclaimdefinitionsincluded

Over 150 conditions are grouped into 31 benefit categories.

• Respiratory disorders

• Stroke°(cerebrovascularincident)

• Multiplesclerosis• Motorneuronedisease• Parkinson’sdisease• Myastheniagravis

• Cancer*°

• Eyedisorders°• Ear,noseandthroat

disorders*• Speechdisorders*• Majorburns

• Endocrineconditions°• Gastrointestinaldisease*°• Pancreaticdisorders• Renaldisorders°• Chronicliverdisorders°• Urogenitaldisorders°

• Lossofandlossof useoflimbs*°

• Musculardystrophy• Rheumatoidarthritis

• Aplasticanaemiaand otherblooddisorders°

• Otherautoimmunedisorders°

• Traumaticinjuries° including -Headandneck injuries -Spinalinjuries -Coma

• Paralysis

• AccidentalHIV• AIDS

• Cardiacand cardiovascular*°

Catch-Allbenefit category°

• Alzheimer’sdiseaseand progressivedementia

• Coma• Othercentralnervous

systemdisorders°

7LIFESTYLE PROTECTORLIVING LIFESTYLE

Percentage Payout

100%High

0%Low

High LowSeverity

Living Lifestyle Bene�t: Comprehensive coverage against critical illnesses and trauma events.

Top-Up Option: Additional security through higher payouts for certain conditions.

Extended Option:Additional security through coverage of less severe conditions.

Top-Up and Extended Options

How can I enhance my cover?

WithLivingLifestyleandLivingLifestylePlus,Liberty’sflagshipcriticalillnessbenefits,wealsooffercriticalillnessbenefitsdesignedespeciallyforwomenintheirchildbearingyears andforchildren.

- FemaleLivingLifestyle. Evenifawomanisinpeakphysicalhealthatthetimeshe

fallspregnant,shestillrunstheriskofsufferingcomplica-tionsrelatingtothepregnancyorthebirthofherchild.Liberty’sspeciallydesignedFemaleLivingLifestylebenefithelpstoprotectagainstthefinancialimpactassociatedwithseriousbirth-relatedandpregnancycomplications,andalsocoversmajorcongenitalbirthdefects.ThisbenefitistakenincombinationwitheitherourLivingLifestyleorLivingLifestylePlusbenefitavailableontheLifestyleProtectorproduct.

- ChildLivingLifestyle. Liberty’sChildLivingLifestylebenefithasbeendesigned

specificallyforchildrenandprovidesyouwithsomefinancialreliefintheunfortunatecircumstancethatyourchildisdiagnosedwithoneof12childcriticalillness.ThisbenefitistakenincombinationwitheitherourLivingLifestyleoraLivingLifestylePlusbenefittoprovideacomprehensivelifestyleprotectionsolutionforyouandyourdependants.

How much will I be paid?

Thecashpayoutyoureceiveaftersufferingaconditionwillbeapercentageofthecoveramountandwilldependonhowsevereyourconditionis.Amoreseriousconditiontypicallyresultsinhigherlifestyleadjustmentcostswhilealesssevereconditionmayhavelessofafinancialimpact.Payoutslinkedtotheseverityoftheconditionallowforamuchwiderrangeofconditionstobecoveredthanaproductwhichwouldalwayspaythefullcoveramount.LivingLifestylepayoutsrelativetotheminimumindustrystandardsareshownintheAppendix.

How can I top up and extend my cover?

YoucanenhanceyourcoverwiththeTop-UpandExtendedOptions.TheTop-UpOptionincreasestheclaimpayoutto100%forcertainconditionswhereasmallerpercentageofthecoveramountwouldotherwisehavebeenpaid.WiththeExtendedOption,youwillbeeligibleforadditionalsmallerpayoutsforlesssevereconditions.

8 LIFESTYLE PROTECTORLIVING LIFESTYLE

Cover options to suit your pocket.

• Foraffordability,youcanchoosetoallowanyclaimpaymentstoreduceyourlifecoverwiththeLivingLifestylebenefits.

• Or,youcanchooseamorecomprehensiveversioncalledLivingLifestylePlus.Inthiscaseanyclaimpaymentswillnotaffectyourlifecoveranditoffersgreateropportunitiestoclaimmorethanonceonthebenefit.

• Youcanalsoselectwhetheryourcoverwillendatage65orifyouwantyourcovertocontinuefortherestofyourlife.

Simonwasinvolvedinafireandsufferedthirddegreeburnsinvolvingonethirdofhisbodysurface?Simonwouldbepaid100%ofhisLivingLifestylecoveramountasspecifiedinhispolicydocument.

What if...

Simon’sburnswerelesssevereandonlyinvolved15%ofhisbodysurface?Simon’sLivingLifestylebenefitwouldpay50%ofhiscoveramount.IfSimonselectedtheTop-UpOptionaspartofhiscover,hisclaimpaymentwouldbe“toppedup”to100%ofhiscoveramountinsteadofthestandard50%payment.

Or what if...

Simon’sburnsonlyinvolvedoneofhishands?IfSimonselectedtheExtendedOption,theselesssevereburnswouldbecoveredandhewouldreceive10%ofhiscoveramount.

Or what if...

Simon,anengineer,wasinitiallyreluctanttopurchaseanycriticalillnesscover.However,afterhisfinancialadviserhighlightedthefinancialimplicationstohisfamilyandlifestyleofnotpurchasingcover,hedecidedtobuytheLivingLifestylebenefit.

Family man Simon considers possible life scenarios.

Comprehensive critical illness cover scenario.

Will I be able to claim more than once?

You may be able to claim more than once on your Living Lifestyle benefit.

The way in which your subsequent claim amounts are determined depends on two critical factors:

• Yourchoiceofcoveroption,LivingLifestyleorLivingLifestylePlusand

• Whetherthenextcriticalillnessyouareclaimingforismedicallyorotherwiserelatedtotheoriginalconditionyoupreviouslyclaimedfor.

9LIFESTYLE PROTECTORLIVING LIFESTYLE

R R

Claim 150%

severity level

R

Claim 2100%

severity level(100% minus 50%

already paid for previous related

claim)

R

Initial coveramount100%

0

0% cover for claims

related to previous claims (100% paid out

already)

R

100% cover amount reinstated at

claim for future totally unrelated

claims

R R

Claim 150%

severity level

R

Claim 2100%

severity level(100% minus 50%

already paid for previous related

claim)

R

Initial coveramount100%

0

0% cover for claims(100% paid out

already)

Living Lifestyle: Multipleclaimexample.

Living Lifestyle Plus: Multipleclaimexample.

Other important special rules when claiming.

1. FortheLivingLifestylePlusbenefitsyoumustsurviveforatleast14daysfromthedateofthediagnosisoftheconditiontoqualifyforaclaimpayment.ThisiscalledthesurvivalperiodanddoesnotapplytotheLivingLifestylebenefit.

2. Inordertoclaim,yourconditionwillneedtofullycomplywiththeclaimdefinitionspecifiedforthecondition.Therearegeneralpolicyexclusionsandspecificexclusionswhichapplywithineachofthebenefitcategories.

Please speak to your Liberty financial adviser or broker if you need more information about the requirements needed to claim as well as any claim exclusions.

11LIFESTYLE PROTECTORLIVING LIFESTYLE

We are committed to providing critical illness cover that evolves with medical advancements, so that your cover remains relevant into the future.

AtLibertyweendeavourtoensurethatlifegoesonas youhavealwaysintended.

M E D I C a L a D va n C E M E n T S P R O T E C T I O n (M a P)

TheLivingLifestylebenefitcoversspecificmedicalconditionswhichareassociatedwithexplicitclaimdefinitions.Thesedefinitionshelptodeterminethelevelofseverityofthehealthconditions,andwhetherapayoutshouldbemadeandhowmuchwillbepaidout.

Toensurethatthedefinitionsareobjectiveandtransparenttheyareoftenbasedonaspecifiedmedicalclassificationsystem,medicaldiagnostictest,ormedicalsurgeryorprocedure.Whiletheseclaimdefinitionsmightbeappropriateatthetimethepolicyisbought,thereisariskovertimethatmedicaladvancementsmightleadtothecriteriabecomingoutdated.Thisiswhywe havedevelopedthemarket’sfirstandinnovativeMAPfeature.

Thishelpstogiveyoupeaceofmindthatyourcoverremainsrelevantintothefuturebyallowingclaimstobepaidonnewmedicalassessmentcriteria,proceduresorsurgerieswherethesehavereplacedtheonesspecifiedintheoriginalbenefit youpurchased.

12 LIFESTYLE PROTECTORLIVING LIFESTYLE

New medical procedures will automatically qualify for claims payments with Liberty's unique MAP.

What are the requirements to claim through MAP?

For a claim to be considered through MAP, some requirements need to be met1:

and

General requirements

• ThespecificclaimdefinitioniseligibleforMAPcoverage2.

• Theoldclassificationsystem,diagnostictestandinvestigation,surgeryorprocedurehas beenreplacedbythenewclassificationsystem,diagnostictestandinvestigation,surgery orprocedure3.

• Thediagnosis,severitylevelandmedicalsymptomsarethesameaswouldhavebeenrequiredtoreceiveapayoutundertheoriginalclaimdefinitioninyourpolicy.

Additional requirement in the case of outdated diagnostic tests and investigations

• Thenewdiagnosticorinvestigativetestparametersmustreachalevelthatimpliesaseveritythatisatleastequivalenttoorworsethanimpliedbytheoriginaldiagnosticorinvestigativetest.

Additional requirements in the case of outdated surgeries and procedures

• Thenewsurgeryorprocedureisnotexperimental,ismedicallynecessary,andmedicallythesameasorsuperiortotheoriginalsurgeryorprocedure,and

• Atleastoneofthefollowingmustbetrue:

1. Thelevelofinvasivenessofthenewsurgeryorprocedureisthesameastheoriginal surgeryorprocedure,or

2. Theaveragepersonwouldbebookedoffworkforatleastthreeweekstoundergoand recoverfromthesurgeryorprocedure,or

3. Theresidualimpactonyourphysicalormentalabilitiesissimilartotheresidualimpact thattheoriginalsurgeryorprocedurewouldhavecaused.

1 - Requirement must be met in the opinion of Liberty’s Chief Medical Adviser.2 - For each condition, the policy document lists whether the specific claims criteria is covered by MAP. 3 - Must be supported by the appropriate published medical literature.

13LIFESTYLE PROTECTORLIVING LIFESTYLE

How MAP protects Naomi.

AsNaomi’sclaimmeetstherequirementsforMAP,shestillreceivesaclaimpaymentforherconditiondespitethefactthatthemedicalprocedureshehasundergonewasunknownatthetimeshepurchasedherLivingLifestylePlusbenefit.

Butsupposethat,15yearslater,anewprocedure,whichdoesnotinvolvedefibrillators,hasbeendeveloped,andhasbecometheacceptedmedicalstandardfordealingwithherconditionattherequiredseveritylevel.Thenewprocedureisstillmedicallynecessaryandismedicallysuperiortothedefibrillator.Italsousuallyrequiresatleastthreeweekstobetakenoffworktoundergoandrecoverfrom.

NaomibuystheLivingLifestylePlusbenefit.15yearslaterNaomiisdiagnosedwithanarrhythmia(irregularheartbeat).Theoriginalclaimdefinitionrequiresthatshehasadefibrillatorinsertiontoqualifyforthehighestseveritylevelpayment.IfNaomihadsufferedtheconditionimmediatelyafterthepurchaseofthebenefitshewouldhaveundergonethedefibrillatorinsertion.

MAP scenario:

NaomibuystheLivingLifestylePlusbenefitastheMAPfeatureisautomaticallyincludedinhercover.

Which claims will not be covered under MAP?

Inadditiontotheclaimswhichdonotmeetthestatedrequirements,MAPwillnotcoverclaimsrelatingtomedicalorsurgicalprocedureswhichareconsideredpreventativeorwhicharealreadycoveredatalowerpayoutlevel.

Claimsrelatingtoconditionswhichhavebeenidentifiedasaresultofscreeningtests(e.g.genetictests),butwheretherearenomedicalsymptomsoftheillnessorcondition,willalsonot becoveredunderMAP.

15LIFESTYLE PROTECTORLIVING LIFESTYLE

C aT C h - a L L B E n E F I T C aT E g O R Y

Simplified examples of Whole Person Impairment:

Youarepermanentlyunabletoperformcertainspecifiedactivitiesofdailylivingincategoriessuchascommunication,movement,self-careandcognition.Youcouldqualifyforeithera50%or100%paymentdependingonwhichactivitiesyouareunabletoperform.

1

Youarediagnosedwithaterminalillnesswithalifeexpectancyoflessthan12months.2

Youarefunctionallyimpaired.Impairmentisapermanentlossoffunctioninanypartofthebodywhetheritisphysical,functionalormental.Yourclaimwillbeassessedonthemedicalseverityoftheimpairmentyousuffer.ThiswillbebasedontheWholePersonImpairment(WPI)criteria–toqualifyforaclaimyouneedtohaveaWPIofatleast35%ormoreandmeettheclass4impairmentcriteriaasspecifiedintheAmericanMedicalAssociationguidelines.

Qualify in one of three ways.

3

TheLibertyCatch-Allfeaturewasthefirstofitskindintheindustry,providingcomprehensivefinancialprotectionagainstthoseunknownandrarecriticalillnesses.

Therearenumerouscriticalillnessesthatmayafflictyou.Someofthesemightnothaveevenbeendiscoveredasyet.ThismakesitimpossibletolisteachandeverycriticalillnessagainstwhichtheLivingLifestylebenefitisintendedtoprovidefinancialprotection.TohelpprotectyouagainsttheriskthatyousufferarareorunknowncriticalillnessthatisnotexplicitlycoveredbyyourLivingLifestylebenefit,weautomaticallyincludetheCatch-Allbenefitcategoryatnoadditionalcharge.Ifaclaimariseswhichcannotbeassessedundertheother30specifiedbenefitcategories,wewillassesstheclaimunderthisCatch-Allbenefitcategory.

0% 40% 60% 90% 100%

WPI =normal and healthy

WPI =loss of function

of lower extremity

WPI =loss of function

of upper extremity

WPI =dependent on others for care

WPI =approaching death

16 LIFESTYLE PROTECTORLIVING LIFESTYLE

Do the Living Lifestyle benefits provide the same cover as income protection or “disability” cover?

No.Incomeprotectioninsurancewillhelpyoutoprotectyourselfagainstlosingyourincomeduetoaninjury,illnessoraccidentwhichpreventsyoufromworking.Thesepaymentswillhelptoreplacepartorallofyourincomebutitwon’thelpinmeetingtheadditionallifestyleadjustmentcoststhatsufferingacriticalillnessmightgiveriseto.Therequirementstoclaimonincomeprotectioncoverandcriticalillnesscoverarealsonormallyverydifferentandsotherearemanysituationsinwhichyoumightsufferacriticalillness,butwouldnotqualifytomakeaclaimonyourincomeprotectioncover.ThismeansthatthecoverprovidedbyLivingLifestyleandthatprovidedbyincomeprotectioninsurancedonotmeetthesamefinancialneed.Toensurethatyouhavefullfinancialprotectiontomeetyourneeds,youwouldneedtoconsiderbothincomeprotectionandcriticalillnessprotectioncover.

Do the Living Lifestyle benefits provide the same cover as medical aid?

No.Medicalaidswillhelpyoutopayformedicalexpensesconnectedwithanyillness.Howevermedicalaidswillnotpayforthenon-medical,yetnecessary,lifestyleadjustmentcostswhichmightariseasaresultofyousufferingacriticalillness.ThereforethecoverprovidedbytheLivingLifestylebenefitiscompletelydifferentfromthecoverprovidedbyamedicalaid.

Liberty is committed to providing you and your family with flexible, comprehensive choices so life can be lived as it is meant to be.

Speak to your Liberty financial adviser or broker, call us on 0860 327 327, or visit www.liberty.co.za.

F R E Q U E n T LY a S K E D Q U E S T I O n S

17LIFESTYLE PROTECTORLIVING LIFESTYLE

Living Lifestyle - SCIDEP severity levels percentage of sum assured payable

Event A B C D

Most severe*

Moderateimpairment*

Mild impairment*

Almostfullrecovery*

Heartattack 100% 75% 50% 25%

CoronaryArteryBy-passGraft(CABG)

100% 75% 50% 50%

Stroke 100% 75% 50% 25%

Cancer 100% 100% 50% 25%

Living Lifestyle with Top-Up Option - SCIDEP severity levels percentage of sum assured payable

Event A B C D

Most severe*

Moderateimpairment*

Mild impairment*

Almostfullrecovery*

Heartattack 100% 100% 100% 100%

CoronaryArteryBy-passGraft(CABG)

100% 100% 100% 100%

Stroke 100% 100% 100% 100%

Cancer 100% 100% 100% 100%

a P P E n D I X

This ensures that the Living Lifestyle benefit criteria are objective and consistent with the minimum industry standards adopted.

SCIDEP payout grids for Living Lifestyle.

TheLivingLifestyleandLivingLifestylePlusbenefitscomplywiththeStandardCriticalIllnessDefinitionsProject(SCIDEP) oftheAssociationforSavingsandInvestmentSA(ASISA).

*AsspecifiedbyASISAdefinitions

FormoreinformationpleasecontactyourLibertyfinancial adviserorbroker,contactourcallcentreon0860327327 orvisitwww.liberty.co.za

Liberty

LibertyGroupLimited Registrationnumber57/02788/08 1AmeshoffStreet,Braamfontein POBox10499,Johannesburg2000

Disclaimer

TheinformationcontainedinthisdocumentdoesnotconstituteadvicebyLiberty.Anylegal,technical,orproductinformationcontainedinthisdocumentissubjecttochangefromtimetotime.Thisdocumentisasummaryofthefeaturesoftheproductasatthetimeofpublication.Ifthereareanydiscrepanciesbetweenthisdocumentandthecontractualtermsandconditionsor,whereapplicable,anyfundrules,thelatterwillprevail.

Anyrecommendationsmademusttakeintoconsiderationyourspecificneedsand uniquecircumstances.

LibertyGroupLtd.isanAuthorisedFinancialServicesProviderintermsoftheFAISAct(no.2409).

©LibertyGroupLtd2013.Allrightsreserved.