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I n d e p e n d e n c e . C o n t i n u i t y . Va l u e .

WEALTH ASSOCIATES EXCLUSIONS GRID2018

DEATH BENEFIT EXCLUSIONS GENERAL TERMS

Wealth Associates South Africa (Pty) Ltd | Co Reg. 2007/031302/07 Directors | Managing: Marc du Plooy | Non-executive: Jeremy Squier, Dan Lezar, Theoniel McDonald, Mauritz van den Heever, Graeme Young


Definition MatrixBrightRock Discovery Life Hollard Liberty Momentum Sanlam

BrightRock Life Life Plan Hollard Life Lifestyle Protector Myriad Sanlam Classic & Premier plans

Suicide Clause We won’t cover a client’s claim if their death is in any way linked to a deliberate attempt to end their own life (suicide) in the first two years of their policy’s start date or reinstatement.

Your death or the death of any of your dependants is self-inflicted or is due to suicide or assisted suicide and occurs within two years of cover commencing or reinstatement of your policy

If any of the life insureds dies by his or her own act (and in the opinion of Hollard Life the life insured committed suicide) within two years of: » the commencement date of the policy or any subsequent reinstatement date of the policy, the policy shall be terminated, and no benefit shall be payable» any voluntary life cover increase, such increases shall be cancelled with nobenefit payable in respect of such increase

If, within 2 years of the issue date or date of any revival, the Life Assured dies by his or her own deliberate and intentional act, the contract will be void in respect of this LifeAssured and no benefits will be payable

Your death or the death of any of your dependants is due to suicide and occurs within 2 years of cover commencing or reinstatement of your policy When restarting the benefit; a new 2-year period will apply. If the insured life increases the benefit amount, a new 2-year period will apply to the increased portion from the date of the increase.

Sanlam Life will not admit a claim if death is caused by suicide, also during insanity, committed within 24 months after cover for the benefit has started, or after the policy has been re-instated after an earlier lapse. If the cover amount is increased, other than through benefit growth, this period will apply to the increase in the cover amount from the date of alteration. The person or entity who claims the benefit must prove that the life insured did not commit suicide.

Suicide Clause on Replacement If a client’s BrightRock policy will replace an existing life insurance policy with a two-year suicide exclusion, we’ll take this into account. We’ll give the client the benefit of the period for which they’ve already had cover.

None. Where life cover has been transferred to or replaced with a new Hollard Life policy, Hollard Life will recognise the period of life cover under the replaced policy in applying the Suicide Limitation Clause.

Provided that: (Reference specific conditions)

None. None. None.

Other Stated General Exclusions No reference found Discovery Life is unable to obtain sufficient medical or financial (if applicable) evidence from the assured lives, your dependants or treating medical practitioner to fulfil our criteria for making a benefit payment;

No reference found No reference found No reference found No reference found

ALL BENEFITS EXCEPT LIFE COVER GENERAL EXCLUSIONS

BrightRock Discovery Life Hollard Liberty Momentum Sanlam


Self-inflicted injuries We won’t cover a client’s claim if their illness or injury is in any way linked to wilful self-inflicted injury or illness

Your disability, severe illness, or family illness – or that of any of your dependants – was deliberately self-inflicted.

If the incident or illness giving rise to such claim was directly or indirectly caused occasioned, accelerated or aggravated by self-inflicted injuries.

Attempted suicide or deliberate self-infliction of injury.

The insured life or policyholder’s intentional or grossly negligent self-inflicted injury,

deliberately inflicts an injury on himself or herself;

War, civil commotion, riot, terrorist activity or rebellion

(Note A & E) Reference against violation of criminal law & Force Majeure Events

Taking part in war, terrorism, invasion, seizing of power, overthrowing or influencing any government by force

Wilful involvement in any riot, insurrection, usurpation of power, martial law or war.

None. None. We will not admit the claim, if it arose, directly or indirectly, as a result of the insured life or policyholder's participation in any terrorist activity, riot, civil commotion, rebellion or war.

participates in riot, insurrection, civil commotion, military or hostile action, or an act of terrorism;

Radioactivity or nuclear explosion

(Note E) Reference against Force Majeure Events

None. None. None. Exposure to atomic energy, nuclear fission or reaction, terrorism. Biological or chemical hazards and warfare agents.

The claim will not be admitted if it arose, directly or indirectly, as a result of Radioactivity and nuclear explosion

is exposed to a nuclear explosion or radio-activity.

Violation of criminal law by the insured

Committing a crime involving the intended theft, damage or loss of another individual’s property, or a crime involving violence, abuse or any form of harm to another individual, where the client is convicted of the crime.

Wilful and deliberate breaking of any law

None. Wilful and material violation of any criminal law

The insured life or policyholder’s wilful and deliberate breaking of any criminal law that accelerates or increases the risk,

commits or attempts to commit a crime of murder, assault, housebreaking, theft, robbery, kidnapping, a crime involving a sexual act, or a crime of a similar nature to any of the aforesaid crimes;

Consumption of alcohol

(Note A) Reference against violation of criminal law.

For the conditions marked with the * symbol, claims for injuries or illnesses related to long-term alcohol or drug abuse are excluded.

Applicable only to Critical illness in particular for liver, pancreas, biliary system, upper and lower gastrointestinal system.

Conditions related to drug or alcohol abuse are not covered under this benefit

Applicable only to Critical illness in particular for kidney and liver / gastro intestinal benefit groups:For this benefit group no benefit will be paid where a claim is in the opinion of Hollard Life directly or Indirectly occasioned by or accelerated by alcohol orsubstance abuse.

Applicable only to Critical illness in particular for an organ transplant, kidney and liver, pancreas, gastro intestinal benefit groups: result of direct or indirect alcohol or drug abuse is excluded.

Note: Cardiomyopathy & Blindness included

None. drives any form of motorised vehicle on a public road whilst his or her blood alcohol level exceeds the legal limit;

Consumption of poisons, narcotics or medication

(Note A) Reference against violation of criminal law.

For the conditions marked with the * symbol, claims for injuries or illnesses related to long-term alcohol or drug abuse are excluded

Intentional and negligent consumption of poisons, drugs and narcotics unless prescribed by a registered medical practitioner (neither you nor your dependants may perform the role of registered medical practitioner in such a case).

Applicable only to Critical illness in particular for kidney and liver / gastro intestinal benefit groups:For this benefit group no benefit will be paid where a claim is in the opinion of Hollard Life directly or Indirectly occasioned by or accelerated by alcohol or substance abuse.

Applicable only to Critical illness in particular for an organ transplant, kidney and liver, pancreas, gastro intestinal benefit groups: result of direct or indirect alcohol or drug abuse is excluded.

Note: Cardiomyopathy & Blindness included

None. takes drugs or medicine not in accordance with medical prescription,



Other Stated General Exclusions None. Discovery Life is unable to obtain sufficient medical or financial (if applicable) evidence from the assured lives, your dependants or treating medical practitioner to fulfil our criteria for making a benefit payment;

None. None. None. Mental and back disorders if applicable See Note D.

Aviation (other than a fare- paying passenger on a registered airline)

(Note B) Reference against hazardous pursuit and/or risky activities.

Only if excluded at policy level - Notification needed for aviation as a hobby or any other pastime that involves flying or aviation.

Notification needed for private aviation.

None. None. None. Participation in any aviation activity, except as a passenger in an aircraft seating at least 20

Participation in hazardous pursuits and/or risky activities

Only if excluded at policy level - Notification needed at start of policy not there after except for aviation as a hobby or any other pastime that involves flying or aviation.

Regular participation in any hazardous sport or pursuit which was not disclosed to Discovery Life at any point in time before the claim.

The owner undertakes that Hollard Life be advised in writing should the life insured take up a hazardous sport or pursuit, including (but not limited to) rock climbing, hang gliding, micro-lighting, acrobatic flying and speed contests of any kind.

Further, unless Liberty Life has expressly agreed in writing that the risk will be covered, regular participation by the life assured in hazardous or risky hobbies, sports or activities, will also be excluded.

Only if excluded at policy level - Notification needed at start of policy not thereafter.

cave diving, commercialdiving, or exploration ofunderwater wrecks forfinancial gain participation in motorised racing or speed contests acrobatic or micro-lightflights, hang-gliding,paragliding, parasailing, skydiving, parachuting or skysurfing, professional boxing, kickboxing or wrestling

Failure to immediately obtain medical advice or failure to follow medical advice after injury or illness.

(Note C)Reference against Optimal treatment & Maximum medical improvement

Not listed as a general exclusion (Reference Note C)

If a client becomes ill or injured, they must get medical treatment as soon as possible to qualify for a claim against their BrightRock policy.

BrightRock does not insist on optimal treatment for a condition to qualify for an additional expense needs claim on the policy.


Applicable to Income Continuation Benefit and Overhead Expenses Benefit: If you unreasonably refuse to undergo or are not complying with recommended medical treatment or rehabilitation to reduce the extent of your disability or illness. Recommended medical treatment will be defined by your treating HPCSA registered doctor in conjunction with the Discovery Life medical panel.


Refusal to seek or follow medical advice

No benefit under the contract will be payable if the life assured declines to undergo medical treatment which he could be reasonably expected to undergo to improve or remove the disability or impairment.


We will not admit a claim if the disability of the life insured can be substantially removed or improved by surgery or other medical treatment, which we can reasonably expect him or her to undergo, taking into account the risks involved and the chances of success of such surgery or treatment.

SPECIFIC CONDITIONS DISABILITY

SPECIFIC CONDITIONS PHYSICAL AND/OR FUNCTIONAL IMPAIRMENT



Waiting periods.

(Note C)Reference against Optimal treatment & Maximum medical improvement

No general waiting periods on disability.» You will qualify for a pay-out from your cover for illnesses or injuries that are permanent if you meet the qualifying criteria of failing the Job Fitness Test (JFT) or Personal Job Fitness Test (PJFT)» You haven’t yet recovered and fail (JFT) or (PJFT) again 24 months after the first timeyou were assessed, even if there is still a chance that you may later recover.

No explicit waiting periods We do not apply explicit waiting periods – we pay your claim as soon as it meets the qualifying criteria

No waiting periods. The benefit will be payable once Hollard Life is satisfied that the insured is permanently disabled or impaired.

No waiting period applies. Your claim will be paid as soon as Liberty has established the permanence of the disability or impairment, you are claiming for.

We will pay the lump-sum claim amount under occupational disability only after the insured life has been disabled for at least six months (the waiting period) If the insured life dies within the waiting period, we will not pay any disability claim. We may waive the waiting period at claim stage when we have established the permanency of the disability according to our definition

No waiting periods are attached to lump sum disability benefits. Valid claims are admitted as soon as the disability is declared “total and permanent”

Survival periods No general survival period on permanent disability cover.

No survival period onlump-sum disability claims.

A three-month survival period will be imposed before a Standalone Disability claim is admitted


To qualify for a claim the insured life must survive for a period of 14 days that we calculate from the date of the diagnosis of the impairment. We may, at our discretion, waive the survival period at claim stage.

the life insured survived, without life support, more than 14 days from or after the date the contractual claim event definition has been met.



Waiting periods. No general waiting periods on disability.» You will qualify for a pay-out from your cover for illnesses or injuries that are permanent if you meet the qualifying criteria of failing the Job Fitness Test (JFT) or Personal Job Fitness Test (PJFT)» You haven’t yet recovered and fail (JFT) or (PJFT) again 24 months after the first timeyou were assessed, even if there is still a chance that you may later recover.

No explicit waiting periods We do not apply explicit waiting periods – we pay your claim as soon as it meets the qualifying criteria

No waiting period applies. The benefit will be payable once Hollard Life is satisfied that the insured is permanently impaired.

No waiting period applies. Your claim will be paid as soon as Liberty has established the permanence of the impairment you are claiming for.

We will pay the lump-sum claim amount under occupational disability only after the insured life has been disabled for at least six months (the waiting period) If the insured life dies within the waiting period, we will not pay any disability claim. We may waive the waiting period at claim stage when we have established the permanency of the disability according to our definition

Besides the conditions for admittance of a claim set out in the Claims chapter, we will admit a claim only if• the physical impairment is permanent, after the life insured has undergone optimal, reasonable treatment



• the physical impairment is permanent, after the life insured has undergone optimal, reasonable treatment;

Survival periods No general survival period on permanent disability cover.


A three-month survival period will be imposed before a Standalone impairment claim is admitted


To qualify for a claim the insured life must survive for a period of 14 days that we calculate from the date of the diagnosis of the impairment. We may, at our discretion, waive the survival period at claim stage.

the life insured survived, without life support, more than 14 days from or after the date the contractual claim event definition has been met.

SPECIFIC CONDITIONS CRITICAL ILLNESS BENEFIT



Survival period No general survival periods apply to BrightRock’s cover for additional expense needs.

No general survival period applies to DiscoveryLife’s Severe Illness Benefit.

A 14-day survival period will be imposed before a critical illness claim is admitted.

You will have to survive 14 days before receiving your benefit.

To qualify for a claim the insured life must survive for a period of 14 days that we calculate from the date of the diagnosis of the critical illness. We may, at our discretion, waive the survival period at claim stage.

Besides the conditions for admittance of a claim set out in the Claims chapter, we will admit a claim only if the life insured survived the diagnosis of the claim event, or the incident causing the claim event, by more than 14 days.

Reinstatement period Clients’ full cover reinstates immediately

The clients’ full severe illness benefits will only reinstate after 14 days.

After the 14-day survival period following a claim event, the benefit amount for events that are totally unrelated, in the opinion of Hollard Life, to the condition or event for which the claim had been paid will automatically reinstate to the benefit amount immediately prior to the claim payment. The benefit amount for condition or event claimed for will not reinstate except for the Comprehensive Critical Illness where, after 100% of the benefit amount has been paid in respect of a condition or event, the benefit amount for events that are related to that event will automatically reinstate 90 days after the claim event on the following basis: » Claim prior to 75th birthday: 25% of the original benefit amount plus any benefit increases » Claims on or after 75th birthday: 15% of the original benefit amount plus any benefit increases

Once you have had a claim admitted, you may only qualify for another claim in the following circumstances:

your condition worsens, or you suffer a related claim and now qualify for a higher percentage pay-out level. The benefit that you will receive will take into account the proportion of the benefit already paid. A maximum of 100% of your sum assured will be paid for related conditions.

You suffer a new condition which is totally unrelated to the previous claims which have already been admitted.

We calculate the claim amount as the percentage pay-out multiplied by the benefitamount. We will not reduce the benefit amount by the claim amount. We will pay a subsequent claim in the same category only if the claim event is more severe than previous claims in the same category.

If we have admitted a claim, we will not reduce the cover amount of this benefit for the life insured by the claim amount. However, we will not allow claims involving any one organ, system or body part, or related group of organs, systems or body parts, to exceed 100% of the cover amount, except if the causes for the claims are totally unrelated according to the opinion of our Chief Medical Officer.

NOTIFIABLE EVENTS AFTER THE INCEPTION OF A POLICY



Participation in hazardous pursuits and/or risky activities (Note B)

Notification needed at start of policy not thereafter, except for aviation as a hobby or any other pastime that involves flying or aviation.

Required - Regular participation in any hazardous sport or pursuit which was not disclosed to Discovery Life at any point in time before the claim.

Required - The owner undertakes to notify Hollard Life in writing should the life insured take up a hazardous sport or pursuit.

Required - Excluded unless Liberty Life has expressly agreed in writing that the risk will be covered.

No reference found. Not Required – However reference against definitive list of in hazardous pursuits that are excluded.

Regular participation defined N/A No reference found. One-off casual participation in a hazardous sport or pursuit in an appropriately controlled environment does not need to be notified to Hollard Life.

Regular participation is defined in participating in an activity more than once a year.

No reference found. No reference found.

Smoking habits Notification needed at start of policy not thereafter.

Required. Notification needed at start of policy not thereafter.

Notification needed at start of policy not thereafter.

Required -You must notify us if there is any change in the insured life’s smoking habits.

Notification needed at start of policy not thereafter.

Change in Occupation or change in occupational duties

They don’t need to tell us if they:Change their occupation or the duties of the work that they originally told us about (other than aviation)

Required – If you fail to notify Discovery Life of your correct occupation and occupational duties at policy inception or your change in occupation from that nominated at policy inception or change in occupational duties where the new occupation or change in occupational duties are is classified by Discovery Life as falling into a risk category for which the relevant benefit would not have been granted on the same terms and conditions to the claimant.

Required - The owner undertakes to ensure that Hollard Life is advised in writing should any life insured change their occupation or the allocation of time spent on the duties that they fulfil for their occupation (e.g. administration, travel, manual or supervisory duties).

Required - liberty must be notified of all changes in occupation or duties of the Life Assured’s nominated occupation.

Required - You must notify us if there is any change in the insured life’s occupation.

Not Required

Temporary relocation or emigration to another country

Required - We must know if they: Move to another country or intend to travel outside the borders of South Africa for business reasons forlonger than 30 days;

Required if your occupation now entails more travel or manual duties including travel outside the borders of South Africa

Not Required Not required within South Africa.Income Disability: Liberty must be notified if the Life Assured leaves South Africa permanently, or intends leaving for a period of 60 consecutive days.

Required - If the insured life emigrates or is relocated to another country. If any new vocation followed outside South Africa increases the insured life’s risk (including but not limited to hobbies, humanitarian assistance and extramural activities and the like).

Not Required

Extended Leave Periods A client’s cover will stay in place while they are on special leave, for a maximum period of 12 months. Special leave is when a client is away from work for an extended period of time and not earning a salary. This could include unemployment, extended study or maternity leave, a sabbatical or a period when the client is between placements within the same institution, for example if they are in government service.

Discovery Life will allow a maximum sabbatical term of six months every three years.

If you are not performing your nominated occupation for three consecutive months before your claim. Note that this requirement does not apply to clients who are on Sabbatical, or those who returned to work following a period of retrenchment, at the time of claim.

The Occupational Disability Benefit is only payable provided that the life insures has been gainfully employed for a period of not less than six months before the onset of the disability.

No reference found. No reference found. The special leave benefit is only available on the sickness benefit - Any period of up to 12 months during which the life insured does not practise his or her occupation. This may be with or without pay and may be an extension of normal leave or not.

FURTHER COMMENTS

In addition to these general exclusions and specific exclusions set out under the Life Assured details there are also specific exclusions relating to each benefit selected as well as specific amounts payable depending on the severity levels of illness. disability or impairment or the type of illness. Please read through the material information relating to smoker status, occupation, education. income. health and medical history provided including the declarations made on application which was taken into account on agreement of the policy terms and conditions.

(Note A) Reference against violation of criminal law.The reference to the consumption of alcohol, narcotics and/or other substances and any illegal participation in riot, insurrection may not be stated as a listed general exclusion by all insurers. However, the alternative exclusion clause for the violation of any criminal law may still be enforced where such acts in are said to be against public policy and not permitted by Law. However, the subject matter of these clauses are still fundamentally different in obligation. Consumption (or the excessive consumption) of alcohol or other substances may not necessarily be illegal or used for an illegal purpose but the contract is enforced by a warranty condition that the act (consumption) be specifically excluded with no obligations payable thereunder for breach. (Note B) Reference against hazardous pursuit and/or risky activities In some cases, hazardous pursuits are completely excluded, while in other cases only regular participation would result in an exclusion. The latest trend towards notification needed only at the start of policy not thereafter is commendable. In most cases there is a definitive list, but with the proviso that this is not exhaustive list. However, a definitive list does provide the advisor with a record of pursuits that are deemed hazardous by the insurer. In the instances where no list is provided, or the insurer determines at their discretion what they deem to be a “hazardous pursuit”, then the decision is purely subjective. Regardless the advisors need to ensure that they remain constantly updated. (Note C) Optimal treatment and/or Maximum medical improvement Adherence to recognised medical protocols may not be stated as a listed general exclusion by all insurers. However, the term “optimal treatment” to obtain maximum medical improvement appears in many instances in the form of a promissory warranty in the policy wording (i.e. a statement about future facts or about facts that will continue to be true throughout the term of the policy) The insureds refusal and/or non-adherence of the conventional medical protocols in favour of unrecog-nised complementary and/or alternative treatment (considered experimental) would be considered a breach of such a warranty despite the fact that such treatments may be growing in public popularity. Examples of optimal treatment exclusions or clauses that need to be considered prior to embarking on any alternative medical treatment:



Optimal treatment & Maximum medical improvement

Caveat ReviewParticular attention must be paid to the insurers precise clauses under the applicable stated benefit (i.e. it’s not sufficient to differentiate just between injury or illness) Any many instances reference to these clauses are applied as a whole or in part to specific conditions under the disability and critical illness type benefits.

If a client becomes ill or injured, they must get medical treatment as soon as possible to qualify for a claim against their BrightRock policy. They must fully comply with their doctor’s advice and finish their full treatment regime. If they don’t seek and receive optimal treatment and fail to comply with their treatment, the claim will be invalid.

Exceptions:BrightRock does not insist on optimal treatment for a condition to qualify for an additional expense needs claim on the policy.

All changes reflected in Appendix 4 (Discovery Disability Benefits) must be permanent despite treatment according to recognised medical protocols. These new life changing events must have occurred since the date of commencement of the policy.The diagnosis of the disease causing the impairment must be confirmed by an appropriate specialist. A specialist is a medical practitioner registered as such with the Health Professionals Council of South Africa.

No specific reference other than in the actual disability benefit definition:

“Totally and irreversibly (not correctable by treatment or operation”

that has stabilised sufficiently over a period of time to allow optimal tissue repair and is unlikely to change in spite of further medical or surgical treatment.

The insured life must undergo reasonable optimal treatment and we will determine his functional impairment after he has reached (reasonable)maximal medical improvement. At this stage a specialist that we have approved must declare the functional impairment total, permanent and continuous for the foreseeable future

The functional impairment, and permanence thereof, will be evaluated only after the life insured has undergone optimal, reasonable treatment, based on generally accepted medical protocols for treatment of the condition in question at the time of the claim. Treatment undergone, as well as future treatment, will be taken into account

(Note D) Mental and back disorders:Sanlam includes all mental and back disorders. but the client has an option to exclude certain mental conditions and mechanical back pain at a discount of about 30%. This option is suitable for clients who suffer from existing back and mental condi-tions that normally may lead to the disability benefit being declined.

(Note E) Force Majeure Events beyond Insurers controlRegardless of whether a contract contains a force majeure clause, or not where performance under a contract is objectively impossible at the time of claim the insurer can approach the courts to set aside their obligation under the contract either temporarily or permanently. Without a force majeure clause, the principles of ‘supervening impossibility of performance’ apply, which require proof that performance under the contract to be objectively impossible. Insurers that have defined Force majeure clauses stipulated in their contracts are in a better position in court to seek relief under these stipulated provisions of the clause should a force majeure event occur.

Example of the clause used by Liberty:Should Liberty be prevented from carrying out any of its obligations in terms of this policy because of Force Majeure, Liberty will notify the Policyholder/Beneficiaries of the circumstances and nature of the Force Majeure as well as the estimated duration and extent to which Liberty’s performance is made impossible. Under such circumstances, Liberty’s obligations under the Policy will be suspended until the circumstances causing the Force Majeure ends and Liberty will not be liable to the Policyholder/Beneficiaries for any damages whatsoever caused to the Policyholder/Beneficiaries due to Liberty’s inability to perform its obligations in terms of the Policy. Force Majeure includes, acts of God, acts of the State or Government, excep-tionally adverse natural disasters, riot, insurrection, sanctions, sabotage, terrorism, political or civil disturbance, war, boycotts, embargo, strikes, lock-out, shortages of labour or materials, material delays in public transport or any similar circumstances beyond the reasonable control of Liberty.

Disclaimer: While every care has been taken to present up to date and accurate information, Wealth Associates SA (Pty) Ltd, its servants, agents or employees do not warrant that all or any of the information or data contained in this article is complete, accurate or current. Wealth Associates SA (Pty) Ltd, its servants, agents or employees will not be held responsible for any loss, damage or inconvenience caused as a result of any inaccuracy, misleading information or error presented in this article, nor will it accept responsibility for any decisions made by readers on the basis of information or data contained herein.

Wealth Associates South Africa (Pty) Ltd | Co Reg. 2007/031302/07 Directors | Managing: Marc du Plooy | Non-executive: Jeremy Squier, Dan Lezar, Theoniel McDonald, Mauritz van den Heever, Graeme Young


A J M A S S E T M A N A G E M E N T

F I N A N C I A L A D V I S O R S

R A Z E L F I N A N C E

A S S E T M A N A G E M E N T

B E S P O K E S O L U T I O N S C B S F I N A N C I A L P L A N N I N G

MARC DU PLOOYWealth Associates SA

T: 011 807 6182E: [email protected]

www.wealthassociates.co.za

ALASTAIR MACKIECape Town

T: +27 21 713 2508Est. 2002

GORDON YUILLKwaZulu-Natal

T. +27 82 374 2312Est. 2014

DAN LEZARAlberton

T: +27 11 907 1022Est. 1986

MARC DU PLOOY & JEREMY SQUIERRivonia

T: 11 807 6182Est. 2012

JEREMY SQUIERSandton

T: +27 11 807 6182Est. 2005

THEONIEL MCDONALDBloemfontein

T: +27 51 400 7000Est. 2017

THEONIEL MCDONALDBloemfontein

T: +27 51 400 7000Est. 2003

F I D U C I A R Y S E R V I C E S

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