LPF WITHDRAWAL NOTIFICATION by gyvwpsjkko

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									                                                  LPF WITHDRAWAL NOTIFICATION

                                                                       Employer’s Name:

                                                _____________________________________
FSB Reg No 12/8/6313/1
Private Bag X21, Brookly n Square, 0075
Docex 340, Pretoria
Tel: +27 (012) 452 7111
Email: zzlpf@aforbes.co.za                                  Member No: M00___________                                                       Reg No 1969/018487/07
                                                                                                                                             FAIS Licence no: 1177


IMPORTANT NOT E: The Withdrawal Notification contains 7 pages. Please always return pages 1 and 2 as well as the
pages relating to the option chosen by the member.
Page 3: Par t A - Transfer to Legal Provident Fund Preservation Section (a participant in the Alexander For bes
                  Umbrella Preservation Fund).
Page 4- Part B - Transfer Section (to any other approved fund)
Page 5- Part C - Cash Benefit Section
MEMBER’S PARTICULA RS (please complete in full)
Surname
First names

ID / Passport number                                                                                               Date of birth
Residential address

                                                                                                                                               Code
Postal address

                                                                                                                                               Code
Telephone numbers Home                   C O D E                N U M B E R                             Work       C O D E                   N U M B E R
                             Cell                                                    E-mail
Date of withdrawal                                                                                 Date of last contribution
Annual salaries at withdrawal                Taxable        R                                  ,            Pensionable R                                         ,

Date of employment
Income tax number                                                                   Revenue Office : _______________________________________
Non-completion of these will result in a delay in the settlement of this claim.
REASON FOR WITHDRA WAL (tick appropriate box) ()

       Resignation                  Retrenchment/Redundan
                                    Dismissal                           Other (Specify : _____________________)
                                    cy
IS THERE A DIVORCE OR MAINTENA NC E COURT ORDER ISSUED AFFECTING THE PAYMENT OF FUND
BENEFITS?
 Yes             No             If yes, please provide a copy of the court order.

INDEBTEDNESS TO EMPLOYER TO BE RECOVERED FROM BENEFITS (SEC 37D)                                                                R                                 ,
Section 37D of the Pension Funds Act
The section provides two instances when a fund may deduct amounts from a member's benefit. These are:

1.   When the member owes the fund or his employer money for an outstanding housing loan given by the fund or the employer
     or where the fund or employer provided a guarantee for a housing loan taken by the member and the guarantee is enforced.
2.   In the event of an employer suffering loss due to an employee's theft, dishonesty, fraud or misconduct, where the employee
     has admitted liability in writing or a court judgement has been obtained. In such instances, a copy of the court order
     must be attached.
Does the member wish to exercise the life cover continuation option? If “Yes”, contact Alexander Forbes.                                   Yes              No
INVESTMENT ADVICE ON WITHDRAWAL BENEFIT
If the member requires financial p lanning assistance he/she can contact the Individual Advice Centre
Share call number: 0860 100 983

Copyright in this material is exp ressly reserv ed and this form and all attachments (w here a pplica ble) remains the e xclusiv e property of A lexander F orbes. This form and
all attachments (w here applicable) may not be copied, stored, retriev ed or in any way reproduced w ithout the e xpress w ritten permiss ion of A lexander F orbes.. Breach of
copy right is a serious offen ce and can lead to lit igation.
                                        PAYMENT INSTRUCTIONS
             Important note to members who are unsure what to do with their withdrawal benefits
If the member is unsure whether to take the cash or to preserve the money, he/she may transfer the withdraw al
benefit to the Legal Provident Fund Preservation Section (a participant in the Alexander Forbes Umbrella
Preservation Fund) until such time as a decision has been made.
The advantages of a member electing to transfer his/her withdrawal benefit to the Legal Provident Fund Preservation
Section (a participant in the Alexander Forbes Umbrella Preservation Fund) option are:
  1. The member’s money will remain fully invested and may earn a higher rate of interest than if it were switched to the Legal
        Provident Fund’s bank account pending the member’s decision.
   2.   The member can elect to take a cash benefit at a later date if he/she so wishes (refer to Disclosures: Legal
        Provident Fund Preservation Section (a participant in the Alexander Forbes Umbrella Preser vation Fund on pg 6).
   3.   When the member is ready to make a decision, he/she can elect to transfer the money to another
        preservation fund (refer to Disclosures: Legal Provident Fund Preser vation Section (a participant in the
        Alexander Forbes Umbrella Preserva tion Fund on pg 6);
The above statements are not intended to be advice as contemplated in terms of the Financial Advisory and Intermediary
Services Act of 2002. For more information about this, please contact the Individual Advice Centre on 0860 100 983.
Please complete the relevant sections of this withdrawal notification form as set out below.
1. Full benefit to be transferred to Legal Provident Fund        Complete Part A – Legal Provident Fund Preservation
   Preservation Section (a participant in the Alexander          Section (a participant in the Alexander Forbes Umbrella
   Forbes Umbrella Preser vation Fund)                           Preservation Fund) - page 3
2. Full benefit to be transferred to another approved fund                          Complete Part B - Transfer Section - page 4

3. Full benefit to be paid to member in cash                                        Complete Part C - Cash Benefit Section -page 5
4. Part transfer to another approved fund and part benefit                    Complete both Part B - Transfer Section - page 4 and
    to member                                                                 Part C - Cash Benefit Section - page 5
MEMBER’S SIGNATURE & DISCHARGE
I hereby confirm that:
    Payment of my benefit as specified herein represents the full and final discharge of the Fund’s liability to me.
    The details provided herein, in part icular my banking details (if applicab le) are true and correct in every way.
    I understand the options availab le to me wit h regard to the payment of my benefits, including the inherent tax implications a nd
     that I am making an informed choice.
    In the event of any loss suffered as a result of any details provided herein being incorrect, neither the Fund nor Alexander Forbes
     can be held liable for such losses.
    I understand that I have the right to amend the payment instruction given to Alexander Forbes and that Alexander Forbes
     may levy a fee for acting on any amended payment instruction after my initial payment instruction has been actioned;
    I acknowledge that my benefit will be disinvested and held in the Fund’s bank account until such time as payment of the
     benefit is made in terms of my payment instructions. The only exception to this practice will be where the money is to be
     transferred to the Legal Provident Fund Preservation Section (a participant in the Alexander Forbes Umbrella Preservation
     Fund), or the Administrator is in structed in writing not to disinvest the monies or where a separate agreement is in place on
     the Fund in terms of the disinvestment of exit benefit monies.
 I understand that in terms of legislation, any benefit which is due to me and which becomes an unclaimed benefit * as defined
    in the Pension Funds Act will be transferred to an Unclaimed Benefit Fund.
* In most instances a benefit that has not been paid within 24 months from the date it first became due in terms of the Rules
of the Fund will become an “Unclaimed Benefit”.

Member’s signature                ____________________________________                               Date    __________________________

EMPLOYER’S DECLARATION
It is hereby confirmed and warranted that:
 the information contained herein is correct and, in part icular, that the member’s banking details provided on page 5 Part C,
     have been confirmed as correct;
 the Employer has provided the member with a copy of the “Options available to members on leaving their Retirement Fund”
     document and/or with the contact details for the Individual Advice Centre;
 The Employer will endeavour to ensure the member signs this notification. In cases where the member does not sign the
     notification, the Employer shall sign on behalf of the member.

The Employer hereby unconditionally absolves the Fund and Alexander Forbes and as necessary indemnifies and keeps indemnified the Fund and
Alexander Forbes from and against all and any loss, damage, costs and expenses which the beneficiaries, or any other person w hatsoever, may
sustain or incur, either directly or indirectly as a result of Alexander Forbes, on behalf of the Fund, rely ing on and using any informa tion supplied
by the Employer, specif ically where the Employer has failed to obtain the beneficiary’s signature on this notificatio n.

Employer’s stamp                                               Authorised signature

                                                               Name (Print)

                                                               Designation

                                                               Contact number                                              Date



                                                                          2
  Part A - TRANSFER TO LEGAL PROVIDENT FUND PRESERVATION SECTION (A PARTICIPANT IN THE ALEXANDER
                                             FORBES UMBRELLA PRESERVATION FUND)

     (A) TRANSFER TO LEGAL PROVIDENT FUND PRESERVATION SECTION (A PARTICIPANT IN THE ALEXANDER
                                FORBES UMBRELLA PRESERVATION FUND)
I elect to transfer my withdra wal benefit to the Legal Provident Fund Preservation Section (a partic ipant in the
Alexander Forbes Umbrella Preserv ation Fund) by signing the section belo w.
In se lecting t his opt ion, I acknowledge the following:                                  Agree              Disagree

  1. I have read and understood the Legal Provident Fund Preservation Section (a participant
     in the Alexander Forbes Umbrella Preservation Fund) disclosures on page 6 and I
     consider myself bound by the Rules and policies of the Legal Provident Fund Preservation
     Section (a participant in the Alexander Forbes Umbre lla Preservation Fund), as
     amended. Copies of the Rules and policies are available at the offices of Alexander
     Forbes.
  2. I have been ma de aware that professiona l fina ncia l planning adv ice to ensure that
     this product meets my needs is available should I wish to ma ke use of such advice in
     ma king this de cision.
  3. I confirm that this docume nt will form part of my contract for participation in the              2.
     Legal Provide nt Fund Preservation Sect ion (a pa rticipant in the Alexander Forbes
     Umbre lla Preservation F und)
  4. I acknowledge that if part of the be nefit is take n in cash to settle a Sect ion 37D
     deduction in so far as it re lates to Divorce / Ma intena nce Benefits, then the balance
     of the benefit may be transferred to the Legal Provident Fund Preservation Section
     (a participant in the Alexander Forbes Umbrella Preservation Fund) and the
     deduction will not be regarded as a first withdrawa l. For any other 37D deductions
     e.g. housing loa n, dishonesty, fraud, etc., the deduction will be regarded as a first
     withdra wal from t he Legal Provident Fund Preservation Sect ion (a part icipant in the
     Alexander Forbes Umbre lla Preservation F und).
  5. I have attached a copy of my Ident ity Docume nt or passport.


  6. I acknowledge that should I disa gree with any of the a bove state ments, or should
     this form not be completed in full, my tra nsfer to the Legal Prov ident Fund
     Preservation Section (a part icipant in the Alexander Forbes Umbre lla Preservation
     Fund) will not ta ke place.


        (B) ONGOING ADVICE MANDATE ENTERED INTO WITH ALEXANDER FORBES FINANCIAL PLANNING
                           CONSULTA NTS (PTY) LTD (herein referred to as FPC)

  1. I hereby appoint FPC as my financial advisors to provide me with ongoing investment advice in respect of my investments in th e Legal
      Provident Fund Preservation Section (a participant in the Alexander Forbes Umbrella Preservation Fund).
  2. I acknowledge that FPC does not act as agent of the Lega l Provident Fund Preservation Section (a participant in the Alexander Forbes
      Umbrella Preservation Fund) or of Alexander Forbes Life. They have been appointed by me and act on my behalf as my agent.
  3. I conf irm that the appoint ment of FPC re lates only to the provision of ongoing advice regarding my invest ment choice within t he
      Legal Prov ident Fund Preservation Section (a part icipant in the Alexander Forbes Umbre lla Preservat ion Fund). FPC is not
      re munerated to give me a dvice as to the suitability of investing in the Lega l Provide nt Fund Preservation Sect ion (a participa nt in
      the Alexander Forbes Umbre lla Preservation Fund).
  4. This appoint me nt shall continue until I ret ire or transfer out of the Lega l Provident Fund Preservation Se ction (a participa nt in the
      Alexander Forbes Umbre lla Preservation F und).
  5. FPC shall obtain from me such detailed information as is necessary to enable FPC to effectively and properly ascertain my
      invest ment require me nts.
  6. FPC shall compile a n invest ment strategy for me, taking into account my particular invest ment require me nts.
  7. FPC shall inform me of such legislative, tax and investment considerations, as FPC might reasonably believe I ought to be awa re of, in
      order to make an informed decision in respect of my investment in the Legal Provident Fund Preservation Section (a participant in the
      Alexander Forbes Umbrella Preservation Fund).
  8. FPC shall act strictly in accordance with my instructions and shall imple ment my instructions efficiently and with due diligence.
  9. I authorise the Legal Prov ident F und Preservation Sect ion (a participa nt in the Alexander Forbes Umbrella Preservation Fund) to
      re munerate FPC for the provision of their ongoing advice by a fee equal to 0,75% per annum (VAT exclusive) a nd further require
      FPC to provide to me a full disclosure of a ll re munerat ion or commission re ceived.
  10. FPC shall document all decisions ta ken by me and the reasons thereof.
  11. The terms of the FPC mandate are confine d to the terms contained here in, or such further terms as may be agree d between
      myse lf and FPC, and that FPC shall provide me with advice only with regard to my invest ment portfolio within the Legal Provide nt
      Fund Preservation Sect ion (a participa nt in t he Alexander Forbes Umbre lla Prese rvation Fund).

By my signature hereto, I confirm that I have read and understood the provisions of I and II a bove and that I agree that to be bound
to AF Life Limited and Alexander Forbes F inancia l Planning Consultants (Pty) Ltd, respect ively, on the terms containe d there in.

Me mbe r’s signature:           _________________________                                       Date   __________________________




                                                                       3
                              PART B -       TRANSFER SECTION (TO ANY OTHER APPROVED FUND)

                          TRANSFER TO A RETIREMENT ANNUITY FUND, PRESERVATION FUND
                                       OR YOUR NEW EMPLOYER’S RETIREM ENT FUND
I elect to transfer my wit hdrawal benefit to a retirement annuit y fund, a preservation fund other than the Legal Provident Fund
Preservation Section (a participant in the Alexander Forbes Umbrella Preservation Fund) or my new employer’s fund (which does
not participate in the Legal Provident Fund) by completing and signing the sectio n below.
In selecting this option, I acknowledge the following:
                                                                                                  Agree              Disagree
     1.   I have read and understood the options on withdrawal as set out in the
          member booklet. (Copies are available at the offices of Alexander Forbes or
          my Employer.)

     2.   I have been made aware that I should obtain professional financial planning
          advice to ensure that the product meets my needs.

     3.   I acknowledge that if part of the fund interest is paid in terms of a divorce
          or maintenance order as envisaged in Section 37D of the PFA, then the
          balance of the fund interest may be transferred to a registered Provident
          Preservation Fund and the deduction will not be regarded as a first
          withdrawal. For any other 37D deductions e.g. housing loan, dishonesty,
          fraud, etc., the deduction will be regarded as a first wit hdrawal.

     4.   I have attached a copy of my ID document or passport.

     5.   I acknowledge that should I disagree with any of the above statements, or
          should this form not be completed in full, my transfer will not take place.


_______________________               _________________            M00              .
Member’s Signature                    Date                         Member’s Fund No

                           TRANSFER TO RETIREMENT ANNUITY FUND, PRESERVATION FUND
                                       OR THE NEW EMPLOYER’S RETIREM ENT FUND
    If the benefit is to be transferred to a retirement annuity fund, preservation fund or the new employer’s retirement fund,
                                             please attach a copy of the application form.
Name of
Fund/Insurer
Policy/deposit ref
FSB registration no     1 2 / 8 /                                  SARS approval     1 8 / 2 0 / 4 /
                                                                         number
Broker’s name
Broker’s e-mail
Broker’s contact no     C O D E              N U M B E R                                 Cell
Banking details of receiving fund
Account holder’s name
Account number
Branch code                                                                 Type of account      Current          Savings
Name of bank
Name of branch

   Failure to complete the above in full may result in a delay in se ttlement of this claim.
   Should we be required to settle indebtedness, the transfer of the balance of the benefit in accordance wit h the above
    instructions will be delayed.




                                                                   4
                                               PART C       - CASH BENEFIT SECTION

                                                           CASH BENEFIT

I elect to take my withdrawal benefit in cash (in full or in part ) by completing and signing the section below.

In selecting this option I acknowledge the following:                                                     Agree                Disagree

      1.   I have read and understood the options on withdrawal as set out in the
           member booklet.
      2.   I have been made aware that by electing a cash withdrawal benefit I may
           be negatively impacting on my ability to achieve an adequate retirement
           benefit at retirement age.
      3.   I have been made aware that professional financial plann ing advice is
           availab le to assist me with my decision.
      4.   I have been made aware that tax will be deducted from my cash withdrawal
           benefit as will any employer request for a Section 37D deduction from my
           wit hdrawal benefit, or should there be a divorce order against my Fund
           Credit .
      5.   I have attached a copy of my ID document or passport.


      6.   I acknowledge that should I disagree with any of the above statements, or
           should this form not be completed in full, my cash withdrawal benefit will
           not be paid.


__________________________                                ____________________
Member’s Signature                                        Date


M00                           (Member’s Fund Number)


                                                           CASH BENEFIT
If all or a portio n of the benefit is to be paid to the member, please ensure that the banking details section below is completed in full.

Please Note:
 Ensure that the bank account details supplied are in respect of member’s own account .

Banking details of member
Account holder’s name
Account number
Branch code                                                                 Type of account             Current         Savings
Name of bank
Name of branch
 Failure to complete the above in full may result in a delay in the settlement of this claim.

 If part of the benefit is taken in cash and the balance transferred, the balance of the benefit may not be transferred to the
  Legal Provident Fund Preservation Section (a participant in the Alexander Forbes Umb rella Preservation Fund) or another
  Preservation Fund (in terms of SARS circular RF1/98), it must be transferred to a Retirement Annuit y Fund or your new
  Employer’s Fund.


Please specify the amount to be taken in cash (if full benefit is not being taken in cash):         R                      ,


                                (NB Note: tax will be deducted from the amount prior to payment )




                                                                     5
Disclosures: Legal Provident Fund Preservation Section (a participant in the Alexander Forbes Umbrella
Preservation Fund)
 1.   The A lexander Forbes Umbrella Preservation Fund (Pension Sect ion ) Registration No is 12/8/37722.
 2.   Invest ments into the Legal Provident Fund Preservation Sect ion (a participant in the Alexander Forbes Umbrella Preservation
      Fund)
      Investment Solutions’ portfolios
      Unless t he Administrators rece ive an instruction to the contrary, your withdra wal be nefit will re ma in invested in the sa me
      Invest ment Solutions’ portfolio as it was in the Legal Prov ident F und.
      Liberty Life Advanced Bonus Portfo lio
      As only portfolios t hat form part of the Invest me nt Solut ion’s platform are offered in t he Legal Prov ident F und Preservation
      Section (a participa nt in the A lexander Forbes Umbre lla Preservation Fund), any money invested in the Liberty Life Advanced
      Bonus portfolio will automat ically be defaulted to the Invest me nt Solutions Conserver portfolio. This is unless the
      Administrators receive an instruction to invest the benefit in any of the other investment portfolios in the Legal Provident Fund
      me mber booklet.
      Switching of investment portfolios prior to the transfer to the Legal Provident Fund Preservation Section (a
      participant in the Alexander Forbes Umbre lla Preservation Fund)
       You may elect to invest in any of the invest ment portfolios offered by the Trustees, details of the investme nt portfolios on
          offer are available in the Le gal Provident Fund me mber booklet.
       You are encouraged to obtain professional financial planning advice before selecting an investment portfolio.
       Should you want your withdrawal benefit to be invested in another investment portfolio, a Legal Provident Fund Preservation
          Section (a participant in the Alexander Forbes Umbrella Preservation Fund) switch instruction must be completed and submitted
          together with this withdrawal notification.
 3.   Fees
       There is 0% upfront fee payable on joining the Lega l Provident Fund Preservation Sect ion (a part icipant in the A lexander
          Forbes Umbre lla Preservation F und).
       An ongoing a nnua l ma nage me nt fee of 0.2% p.a. (excluding Vat); minimum R15 per month will be levied on your Fund
          Credit monthly.
       There is a 1.25% per annum inclusive policy fee which will be de ducted monthly from the invest me nt returns earned on
          the invest ment portfolio. Certain specia lise d invest ment portfolios may have a higher invest ment policy fees. These higher
          fees will be communicated to you in the event that you elect to invest in the m.
       Switches between the investment portfolios will attract a 0,1% (excluding Vat ) of Fund Credit fee (limited to R1000.00 per
          switch).
       These fees may be a me nded from time to time at the discretion of the Administrators. Any such changes to the fees will
          be communicated to me mbers three month prior to imple mentation.
 4.   Advice Fee (payable to F ina ncia l Pla nning Consultant's [FPC] a div ision of Alexander Forbes Group (Pty ) Ltd)
       There is an ongoing advice fee payable of 0,75% p.a. (Excluding Vat) on the first R3m of Fund Credit, and 0,5% per
          annum (Excluding Vat) on the ba lance of the Fund Credit in respect of ongoing invest ment advice. The re is no minimum
          or maximum cap on t his advice fee but clie nts are free to negotiat e the fee if they have large assets in the fund.
 5.   Retire ment Be nefits
       In the event that you are not employed, you may apply to receive a benefit equal to the value of your Fund Credit benefit
          from the Legal Provident Fund Preservation Section (a participa nt in the Alexander Forbes Umbrella Preservation Fund) at
          any time after the a ge of 55. You must take a retire ment benefit by no later tha n age 70.
       If you are employed, you may only receive a retire ment benefit from the Lega l Provident Fund Preservation Section (a
          participant in the Alexander Forbes Umbrella Preservation Fund) at the sa me date as you retire from your e mployer.
       In the event of you becoming disabled, the Trustees of the Legal Provident Fund Preservation Section (a participant in the
          Alexander Forbes Umbrella Preservation Fund) may grant you an ill-health early retirement benefit equal to the value of your
          Fund Credit.
 6.   Death Benefits
       In the event of your death, the Trustees will distribute your death benef it (equa l to your Fund Credit ) in accordance with
          the provisions of Section 37C of t he Pe nsion Funds Act.
 7.   Withdra wal Be nefits
       You may elect to take a once-off cash withdra wal from Legal Provident Fund Preservation Se ction (a participant in the
          Alexander Forbes Umbre lla Preservation Fund) or part of your Fund Credit at any time, provide d you have not already
          received (or have bee n dee me d to have received) a part ial withdrawa l be nefit. Any amount payable to your employer in
          terms of section 37D of the Pension Funds Act, or any a mount paid to your former spouse with regards to a divorce order
          will be considered to be your one withdrawa l allowed from the Lega l Provident Fund Preservation Section (a participant in the
          Alexander Forbes Umbrella Preservation Fund) in terms of the legislation.
       Once a part ial cash withdrawa l is ta ken, the re mainder of your Fund Credit must re ma in invested in t he Legal Provident
          Fund Preservation Se ction (a participant in the Alexander Forbes Umbrella Preservation Fund) until retire me nt (unless you
          elect to transfer to another preservation fund. Taking a partial cash withdrawal may also affect the tax -free portion you are
          able to take when you eventually retire.
       Once your full F und Credit has been paid to you, this will re present a full and fina l settle ment of any an d all a mounts
          owing to you a nd the F und, Trustees, Principal Officer, and Alexander Forbes shall thereafter have no further liability
          towards you or any of your beneficiaries.
8.    Transfers out of the Legal Provident Fund Preservation Section (a participa nt in the A lexander Forbes Umbre lla Preservation
      Fund)
       Should you so wish, you may transfer your Fund Credit in the Legal Provident Fund Preservation Section (a participa nt in the
          Alexander Forbes Umbre lla Preservation Fund, to a new e mployer fund, or another preservation fund at any time prior to
          your retirement.
       Any once-off withdrawal you have made from the Legal Provident Fund Preservation Section (a participant in the
          Alexander Forbes Umbrella Preservation Fund) will be advised to the ne w preservation fund, and you will not be allowe d
          to wit hdraw from that fund prior to retire me nt.
       Any transfer out of the Legal Provident Fund Preservation Section (a participant in the Alexander Forbes Umbrella Preservation
          Fund) is required to comply with the provisions of the Act.
 9.       Compliance Dept. details Aflife.complia nce@aforbes.co.za



                                                                6
     Product Supplier's disclosure for: Alexander Forbes Life Limited FAIS License no 1178

Product Supplier's Legal Status & Authorisations

     Alexander Forbes Life Limited (AF LIFE LTD), Registration Number 1997/ 022561/ 06 is an authorised Financial Services Provider in terms of the Financial Advisory and
      Intermediaries Services Act (“FAIS ACT”). Financial Services Board (FSB) / Financial Services Provider (FSP) License No: 1178.
     A copy of our FSP license certificate and the conditions of the said license is available on request from the Representative or the Financial Service Provide..

Product Supplier's Contact Details

Head Office Physical Address:                    Postal Address                       Compliance Officer's Details
61 Katherine Street                              P O Box 787 240                      Denver Fortuin
Sandton                                          Sandton                              Tel No +27 11 269 2016
2146                                             2146                                 Fax No +27 11 263 1035

Switchboard Tel No +27 11 269 0000
E-mail address: complianceoffice@aforbes.co.za

Product Related Queries & Complaints

Queries and complaints may be addressed to our Contact Centre:
Address: PO Box 787240, Sandton 2146; telephone number: 0860-606162 e-mail address: fshelp@aforbes.co.za

Access to the complaints procedure and forms may be obtained from your contact person, the Contact Centre, those with access to AF Online or the Alexander Forbes
World Wide Web at http:/ / www.alexanderforbes.co.za/ Africa/ FAIS/ FAIS.htm

If any complaint to AF LIFE LTD is not resolved to your satisfaction, you may submit your complaint to the relevant Ombuds office. Contact details of the relevant Ombud
offices are included in the complaints procedure.

Declarations

      AF LIFE LTD may keep records of verbal and/ or written communication with its clients as pertains to the financial services rendered to that client.
      AF LIFE LTD has secured Professional Indemnity and Fidelity Insurance.
      Where required in terms of the Financial Intelligence Centre Act (FICA), AF LIFE LTD shall be obliged to record and verify client information in the manner prescribed in FICA.
       AF LIFE LTD may also be required to report unusual and suspicious financial activities where obligated by FICA.
      AF LIFE LTD may be unable, in particular circumstances and where required by FICA, to process the transaction as required by the client, unless the identification and
       verification requirements in terms of FICA are met. AF LIFE LTD cannot be held responsible for a failure to action any transaction, where such failure was as a result of the
       non-provision of the legislated information as required by FICA by the client.




                                                                 Inter-company Relations
                                                                           Alexander Forbes (AF)
                                                                        Financial Services Holdings
                                                                                  (Pty) Ltd

              100%                                 100%                                  100%                                    100%                                100%

Alexander Forbes Financial               Alexander Forbes Life Ltd            Fihrst Management Services           Alexander Forbes Health (Pty)            Alexander Forbes Retail
 Services (Pty) Ltd FSP No.                   FSP No. 1178                              (Pty) Ltd                              Ltd                             Holdings (Pty) Ltd
           1177                                                                                                          FSP No. 33471




              72%                                  100%                                  100%                                    100%                                100%

    Seniors Finance (Pty) Ltd                    Homeplan                     Alexander Forbes Fiduciary            Alexander Forbes Financial            Alexander Forbes Individual
                                                  (Pty) Ltd                          Services Ltd                  Planning Consultants (Pty) Ltd        Client Administration (Pty) Ltd
                                                                                                                          FSP No. 31753                         FSP No. 32494




                                                                            Alexander Forbes
                                                                                  Ltd


              100%                                 100%                                  100%                                  100%                                100%

Alexander Forbes South Africa              Alexander Forbes Risk &           Investment Solutions Holdings          Alexander Forbes AfriNet           Alexander Forbes International
      Holdings (Pty) Ltd                 Insurance Services (Pty) Ltd                     Ltd                         Investments (Pty) Ltd                         Ltd



There are various financial products and/ or product suppliers within Alexander Forbes          In providing financial services to its clients, certain business may flow to other
Group, please contact us in the event that you require more information pertaining to           companies within the wider Alexander Forbes group. Alexander Forbes Limited
these products and/ or product suppliers.                                                       benefits to the extent that business is retained within the group.




                                                                                        7

								
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